Right, thanks for input everyone.
HBoS don't make it easy to figure out what the Leeds /real/ address is - only post boxes - with two major sites there, I've decided to go for the silly move if you have any thoughts of "old boy's networks" and the courts
Yep. Leeds court said "No problem", but for head office, I have to use Halifax
County Court. They also said "No problem", so:
Claim for £3,270 +
interest (just under £4000) plus costs (£120) sent to Halifax
County Court, registered post.
If it works, then I have used the English small claims procedure, saved a lot of time, and will have more than I would have settled for had they been willing to negotiate sensibly. The only problem I can see is that this is on their doorstep - I wonder if that might make them more likely to defend? Worst case I lose my £120, or additional costs too?
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Bank of Scotland - £4000+ returned. Scottish resident, scottish accounts, but it's Halifax Bank of Scotland now, so took 'em to court in Halifax. One small claims, one defence filed, one refund of all charges + interest! Done and dusted.
Next - Capital One
BoS Responding as Halifax/Leeds - English Court Option? 
