Can we file a class action against a bank for hidden charges affecting thousands of account holders?

Question

My bank has been deducting a “service fee” that wasn’t clearly disclosed, and many people on social media report the same issue across Pakistan. We want to know if a group case is possible, what proof is needed, and how compensation is usually calculated. Do we need to serve notices to the bank before filing?

Hissam Law Chamber · Accepted Answer

Yes, legal action can be initiated against the bank for hidden charges.

Legal Grounds: Under the Consumer Protection Laws and State Bank of Pakistan (SBP) Regulations, banks are legally bound to disclose all charges transparently.

Class Action: While 'Class Action' suits are complex in Pakistan, a representative suit can be filed under Order 1, Rule 8 of CPC on behalf of all affected account holders.

Immediate Step: You should first file a formal complaint with the Banking Mohtasib (Ombudsman) or the Consumer Court to seek a refund and damages.

I can assist you in drafting the legal notice and pursuing the case in court.

Can we file a class action against a bank for hidden charges affecting thousands of account holders?

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