To do error is human nature and at times, errors do occur in Banks also. Sometimes, there are certain charges which are levied by the banks wrongly and then they reflect in bank passbook from where we can catch these errors and request for the reversal. You can always verify your passbook periodically and can get the errors updated and rectified.
You can write a letter to the bank for the reversal of these charges. The specimen is mentioned as under:
Address and contact information
Name of Branch Manager
(Name and address of the branch)
Subject: Request for reversal of a wrong charge.
This is to bring to your notice that while authenticating the monthly bank statement for my account number – **************** for the period of April (Month and Year), I find a wrong debit of INR 250/- (amount)I am writing this to you for a consideration in waiving or reducing the charges made on my account (account number) on (date) for being late in paying the installment for the home loan I took from the bank. I shall be ever grateful if I get an affirmative response for the waiving of bank charges on my account.
The details are as under:
Date of debit: 3rd April 2019
Amount: Rs 250/-
The narration made: To charges 205.
These charges are not due as there are no corresponding transactions in my account hence I assume that there could be an unintentional error from the Bank’s side, therefore, I request you to kindly authenticate and correct the error by reversing these charges to the account number as mentioned below.
I hope for a favorable response.
Thanks and Regards