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You can complain to the banking regulator that they didn’t follow the procedures, but that’s not really an appeal of the decision itself.

You’d have to argue that they either didn’t follow procedure or did a perfunctory job that did not really comply. However, these complaints go to a different team in the bank that may just decide to compensate you.




I appealed at the bank. The appeals team simply said the actual facts of the case hadn't changed so the charge was still my responsibility.




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