If a bank adds a new scheme to your savings account without your permission, you can consider taking the following legal actions: Contact the Bank: Start by contacting the bank and expressing your concerns regarding the addition of the new scheme without your consent. Seek an explanation for the unauthorized change and request them to reverse it. Review the Account Terms and Conditions: Carefully review the terms and conditions of your savings account agreement. Pay attention to any clauses that pertain to modifications or changes to the account and the bank's obligations to inform you of such changes. File a Complaint with the Banking Ombudsman: If the bank fails to address your concerns or rectify the situation, you can file a complaint with the Banking Ombudsman in your country. The Banking Ombudsman is an independent authority that resolves disputes between customers and banks. Seek Legal Advice: Consult with a lawyer who specializes in banking and consumer rights to understand your legal options. They can guide you on the specific laws and regulations applicable in your jurisdiction and help you take appropriate legal action. Consumer Protection Laws: Investigate consumer protection laws in your country that safeguard the rights of bank customers. These laws often provide remedies for unauthorized changes or actions by financial institutions. Remember to document all communication with the bank, including emails, letters, and phone calls, as evidence of your attempts to resolve the issue amicably. Legal actions may vary depending on your jurisdiction, so it's important to consult with a legal professional who can provide advice tailored to your specific situation and applicable laws.