If you were thinking of taking action to reclaim your bank charges, don’t be put off by the news that a district judge at Birmingham County Court has ruled against a Lloyds TSB customer who was trying to do just that.

This is just one case that’s gone in favour of the banks, and a county court decision doesn’t set a precedent in the way a High Court decision would.

Thousands of people have already reclaimed millions of pounds in unfair charges, and many more will follow.

Several websites, including Which?, have pages explaining the procedure. So go on and stake your claim.