have had success with Lloyds TSB but all without going to court. I am now concentrating on RBSicon. Have got all the dates of charges and amounts and done the letters. I am now looking into the court route - I am doing this for my son and he closed his account about 2 yrs ago because of the charges. I do not have any T&C's for his old account. Is this a problem when it comes to court.

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