Just 6% of consumers whose complaint is rejected by their bank or financial provider take their case to the free Ombudsman service, despite them having a high chance of victory via that route.
Lib Dem leader Nick Clegg has pledged legislation on bank charges to back the MSE campaign to ensure everyone who's had an unfair charge will get their money back without having to ask.
Banks have been given a further six months to sit on bank charges claims, pending the outcome of the test case to determine the fairness of these fees.