💣 OVERDRAFT CLAIMS — WAKE UP!

Jump like a beast to: Intro Got a Claim? Smash That Complaint

🧠 INTRO: STOP LETTING THE BANK DOMINATE YOU

Millions in the UK are getting straight-up crushed by overdrafts. The bank hands you a "safety net" — and BOOM — you’re stuck in it for years, paying monthly fees like it’s a subscription to failure. That’s NOT what overdrafts were built for. Get wise. Get angry. Get out.

I sum up the rules as:

Overdrafts are for short-term use. But too many people are stuck in them for years — racking up charges like it’s normal. It’s NOT.

Charity StepChange dropped these hard stats:

- 2.1 MILLION living in the red. - 79% were drowning in overdrafts for a full year before asking for help. - 81% used them to buy food and pay bills. That’s survival, not borrowing.

❗ DO YOU HAVE A CLAIM OR NOT?

If your bank knew you were struggling and just kept jacking up your overdraft or letting you sink deeper... they failed you. You don’t give a drowning man more water — and a real lender knows that.

They’re supposed to review your overdraft every year. Didn’t happen? That’s a red flag.

If you’ve been stuck in your OD for 2+ years and can’t break free — it's time to fight back. Here’s what builds your case:

• Living in your overdraft for 24+ months straight.
• Can’t pay your bills — direct debits bounce like rubber balls.
• Gambling shows up in your statements — and the bank does nothing.
• You’re stacking up other debts with the same bank.
• Bank declines you for a loan — but your OD keeps growing.
• Maxed out cards. Missed payments. Payday loans. It's a mess.
• Your income dropped — and they still charged like you’re a millionaire.

🧾 HOW TO GO ALPHA AND FILE THAT CLAIM

Stop being silent. If even half of the stuff above is you — it’s time to put the bank in their place. Here’s your plan:

STEP 1: Find That Complaints Page

Go to your bank’s site. Hunt down the "Complaints" section. You’ll get the address or email to drop your fire.

STEP 2: Write It Like a Warrior

Don’t ramble. Be direct. Hit them with the facts — how long you’ve been stuck, what signs they ignored, how they failed. You’re not begging — you’re calling them out.

Banks have 8 weeks to respond. No answer or lame excuse? Escalate it to the Financial Ombudsman Service:

www.financial-ombudsman.org.uk

STEP 3: Don’t Know Your Info?

If you don't have all the information you need about your overdraft, request a DSAR — a Data Subject Access Request. It’s your legal right. They’ve got one month to respond. Include all the details: full name, DOB, past address, anything that helps them find your data. Force them to dig it up.