Auto-evidence
done for you
In 2 minutes we build a forensic legal argument. No guess work.
Turn unfair overdraft fees into a cash refund.
In 2 minutes, we check if you have an overdraft mismanagement complaint, calculate what we think you’re owed, and fight to get it back.
The regulator (FCA) says if you’re overdrawn every month, banks are supposed to help, not just profit.
How does it work?
We offer a fully digital, quick and simple process that discovers, evidences and values potential cases of overdraft cases.
Auto-evidence
Get your personal
refund estimate
No generic "refund calculator." You see exactly what your data says you’re owed before you agree to proceed.
Now we go
to work
Sometimes banks pay up fast. Usually, they drag their feet. We handle the chasing either way, so you can get on with your life.
The full picture
You could be about to start the smartest 2 minutes of your financial life. Here’s the context before you dive in.
Why trust Tallee
We are an SRA-regulated service that holds banks accountable to the law.
We have legal muscle
Tallee is the smart technology you use, but we’re powered by Clear Legal - a regulated law firm providing the legal teeth to challenge the banks.
What makes a complaint
Ask the regulator. (Spoiler: They say the rules are on your side.)
Overdrafts are for emergencies, not profit
Even the banks admit this. NatWest and Lloyds both call it a "short-term safety net".
The regulator (FCA) says if you’re overdrawn every month, they are supposed to help, not just profit.
The reality is different
For 10 years, "Mrs B" was overdrawn by day 8 of every single month. Santander did nothing but charge her 39.9% APR.
The bank was in the wrong
“If Santander had appropriately monitored Mrs B’s overdraft use and intervened in line with its obligations under CONC, I don’t think she would have paid the charges and interest for the use of the overdraft, and the bank wouldn’t have benefitted from them. It’s fair then, that the charges and interest paid should be returned to her.”
- Financial Ombudsman Service
What this means for your account, overdraft & credit file
There are a lot of myths about what happens when you complain - here’s the reality.
Your bank account
Myth
"They’ll close my account just for complaining".
Reality
Don’t worry about being "ghosted" by your bank. The regulator (FCA) is clear: a complaint is a regulatory right, not a reason to close your account. They aren't allowed to block your custom or change the products they offer to you just because our tech found a gap in their compliance.
Your overdraft
Myth
"Will they take my overdraft away if I don't win?".
Reality
We aren’t aware of a single instance where a bank pulled an overdraft after rejecting a complaint.
If you win, the bank has to stop the lending that caused the problem. Yes, the overdraft should be reduced or removed, but that’s because you’ve won the fight against the fees and interest. We’ll help you negotiate the terms if you’re not happy with the bank’s offer.
Your credit file
Myth
"A complaint leaves a black mark".
Reality
It often does the opposite. Simply asking for a refund is private and invisible to lenders. If we prove they lent irresponsibly, they often have to remove negative markers, which can actually boost your score.
About our fees
There are no hidden charges, no hourly fees, and no unexpected costs added by us - even if you cancel your complaint.
- We’ll tell you if we think you have a winning complaint and what we think the bank owes you for free.
- If you choose to complain and win, our fee is a maximum of 36% of the bank's offer.
- If we don't win, you pay absolutely nothing.
Oh, and no - there are no other sneaky charges.
Frequently asked questions
How do we work out what you’re owed?
Getting your money back shouldn't depend on what old statements you can dig out of the attic.
Instead, we use Open Banking. We securely connect to your account to automatically find the exact transactions that prove your complaint.
It’s bank-level safe. We never see your login details. Our access is strictly read-only - we can’t touch a single penny, and our live access automatically cuts off after 90 days.
(Open Banking wasn't our idea. The UK's biggest banks built it. See for yourself why NatWest and Lloyds Bank use it.)
What if I’ve closed the account with an overdraft or moved bank?
Right now, we can only dig into the accounts you can still log into. If you can connect to them today, we can find what you’re owed.
The way our tech works is by connecting directly to your active accounts. If an account is closed and the "keys" have been handed back, we can't get in to see the data.
Can I complain if I’m in a DRO, IVA, or bankruptcy?
Don't do it. A refund is considered a "windfall" and will likely be seized by the Official Receiver. Worse, receiving it could breach your asset limits and cancel your debt relief entirely.
