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In what sense - all you have stated is that you can void a contract if the banks alter it to your detriment by increasing their charges. I do not see that this is any help here. Unless they change their charges after you open the account, the banks haven't altered any contract to your detriment - and even if they do change their charges, and they notify you of that change before they apply them, (which will also be one of the terms, that they can do that) you have the option to close your account and go elsewhere if you don't agree to the new charges, so you do not have to pay them. By no

In my opinion the argument set out in the guidance notes to counter the banks' potential argument that their charges are for a service and not penalty charges i.e. "that under s.15 Supply of Goods Act the cost of the service is required to be reasonable" - and that it would not be reasonable for the bank to charge an excessive amount for a service which is highly automated is weak and dangerous. Weak because the banks publish their charges; they provide you with details of their charges for services when you open an account and notify you when they change, giving you the opt

All very well, but judging by the numbers of recent posters who say they are requesting statements for six years, in order to claim charges for six years, this information has not been effectively disseminated

Can I ask why everyone is limiting themselves to charges levied over the past six years. The Limitations Act 1980 allows for the period to take action to recover charges to be extended to six years from the point at which you could reasonably have been expected to know that you could make a claim. Since the banks have been claiming that the charges they apply are legitimate and lawful, and not excessive penalty charges (as they still do), a lay person could not reasonably have been expected to know any different, to know that they are in fact unlawful, and that they could go to cour