Which? advice on bank charges

Following the disappointment of yesterday's Supreme Court ruling on bank charges, Which? chief executive Peter Vicary-Smith says: "The outlook is bleak for anyone with an outstanding claim and we're concerned that yesterday's ruling could drive people into the arms of unscrupulous claims handlers. Beware of companies who contact you promising to get your bank charges back and never pay an upfront fee.

"If you're in financial hardship, tell your bank. They're unlikely to give you your money back, but they have to take your circumstances into account and may waive any future charges. If your bank refuses to help you, then go to the Financial Ombudsman."