Glad you won. My wife and I sued Alliance and Liecester not because of the unfairness of bank charges but because they introduced a rediculous £5 charging per day. We issued claims back for these charges total via our local county court (MCOL stays all applications), Acknowledgement of Service received by no defence issued so won by default. They paid up after two weeks after I warned them that we may send in bailiffs. Total £370 recovered. Next for Barclays, Lloyds etc.