I think barclays are working on the principle that if they take it all the way to court it will frighten people off claiming. It didn't work with me, and they've got another claim coming for charges incurred since I put in my last claim. But if for every one case that does go to court (and they lose), if another two are frightened off, perhaps they estimate that overall it will be worth it. So to echo what others have said, keep fighting!

I was called for a 'case conference' on Monday, although I am fairly confident, as my job involves discussions with accountants and solicitors, and I have to speak in public, I was very nervous. In the event Woolwich didn't turn up, so the judge used his discretion and accepted my claim, so £700 plus costs for travel and loss of earnings. I wasn't prepared for the latter, so I had to estimate. I have to say the judge was very friendly and approachable. You have to bear in mind that this is the small claims court, so they don't expect you to be a legal expert. I also suspect that Woolwich/Barclays are deliberately trying to frighten people off by insisting on going to court. The judges are probably well aware of this, and I suspect they are unhappy with this tactic as it wastes their time. DON'T FORGET YOU HAVE DONE NOTHING WRONG, BARCLAYS HAVE BROKEN THE LAW, SO DON'T GIVE UP!