Thanks for all the good wishes, it's been a few months since I looked in on the site and was surprised at the number of replies to my thread. I popped back in because Barclays have deducted another 3 'illegal' charges from my account and I'm preparing to give it 'em large again.
A friend of mine also got paid out last week, the day before his court date, so hold your nerve and don't give in....THEY WILL PAY UP!!
Mancity5 asked about the wording for Moneyclaim, this is what I sent;
I have a contract with the defendant bank
dating from 19## which is conducted on
their standard terms and conditions. I am
claiming the return of money taken by the
defendant in the way of charges over the
last 6 years. The bank's charges are a
disproportionate penalty and therefore
unenforceable as they are contrary to
common law. Further, as a disproportionate
penalty they are invalid under the Unfair
Contracts) Terms Act 1977 s4 and under
the Unfair Terms in Consumer Contracts
Regulations 1999. Para 8 and sch.2(1)(e)In
the event that the charges are not a
penalty then they are unreasonable within
the meaning of the Supply of Goods and
Services Act 1982 s15. I have repeatedly
asked the bank to justify their charges but
they have declined to do so. I also claim
interest under section 69 of the County
Courts Act 1984 at the rate of 8% a year
from 25th April 2003dates to be supplied to
24th April 2006 of £##.## and also
interest
at the same rate up to the date of judgment.
I still have my bank account with Barclays and have not encountered any other problems, apart from the fact that they've robbed another 90 quid off me!!
Fytinbak - Have a look in the library section, I'm sure your wife will be able to claim her money too, but you'll need to look there for the relevant info.
Good luck all, not that you'll need it....remember THEY WILL PAY UP!!
BOON