hey guys had the meeting on friday, she sent a query to head office, said should get a reply on monday went in today and she told me that they cant refund the fees as its in the contract blah blah BLAH but as a good will gesture they will refund half the fees, so basically one of the £38 charges now do i chase up the other £38 or just leave it?

Ok im with natwest got 2 charges of £38 in the last 2 months and wana get it back. went into branch today talked to some woman and told her the charges are excessive, she told me the usual 'its in the t&c's of when you signed up' when i said the UK law says its illegal and the UK law is higher then the banks t&c's and that im happy to make a small claims court and will be guaranteed my money back she went to speak to a supervisor she came back and said her manager is in a meeting now, as i had other stuff to do i made an appointment for 1pm tomorrow with the manager anyway what im looking for is something that i can print out and take with me that can back up my arguement - i looked at the Supply of Goods and Services Act 1982 part 15 and thought i could show that, but where it says 'is not determined by the contract,' what if the manager says the price IS determind by the contract i sign when i sign up to the bank which states in the t&c's the charges? how can i reply? and anything else i can print off and show to him to back up my arguement? have looked through the faq's etc thanks