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Home News Sport Business. Which one should be sold? Diary of a private investor: How can I recoup the deposit? For unlimited access to expert opinion and unrivalled insight from The Telegraph, join Premium today. Free for 30 days. Six homes that will help you cook up a storm as Bake Off begins. New homes don't have be boring: If you or a loved one has already paid charges to the bank from the estate, you're unlikely to get your money back even if you believe the terms were unfair. However, it is still worth complaining to the bank.

Lay out the fees and explain why you believe your loved one's estate was overcharged. If you do not get a satisfactory response, take your complaint to the Financial Ombudsman Service. You can make a complaint six years from the event or three years from the time that you knew or could have reasonably known you had cause to complain.

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