Hi, After sending off my letter to claim £1700 they have offered me £400. Obviously I dont want to accept it as I have read dont accept the first offer. But they told me that they're charges are not unlawfal as these are anathuarised bank charges not credit card charges. I am now confused because as far as i am aware Ofcom (or whoever) annouced all charges should cover adminstritive costs not moatter whether they are against credit cards or bank accounts. Can someone help clear this up for me. I think i am right but they have thrown me, and I do want to take them to small claims, hopefully not all the way just issue them with the next letter which will force them to make a full refund. Help, thanks Soph