Just submitted the following Particulars of claim through the Moneyclaim site. Tough meeting the less than 24 line limit (ended up around a 1000 characters):
The Claimant has an account xxxxxxxxxxxxxxxxx
(‘the Account’) with the Defendant which was
opened around 2004. During the period in
which the Account has been operating the
Defendant debited numerous charges to the
Account in respect of purported breaches of
contract on the part of the Claimant. The
Claimant understands that the Defendant
contends that the charges were debited in
accordance with the terms of the contract
between itself and the Claimant. The
Claimant contends that the contractual
provision that permits the Defendant to levy
such charges is unenforceable by virtue of
the Unfair Contract Terms in Consumer
Contracts Regulations (1999), the Unfair
Contract Terms Act 1977 and the common law.
The Claimant claims the return of the amounts
debited in respect of charges in the sum of
£40; Court costs;
Interest under section 69
of the County Courts Act at such rate and for
such periods as the court deems just. The
Claimant has asked the Defendant to justify
their charges but they have declined.
Started taking on Barclaycard 
- unreal. I'm going to wait until their 14 days are up and send the 
