Hello, I have successfully challenged the banks for unfair bank charges and have been successful.The only problem now is the banks are trying to reclaim there money back by asking me to pay my overdraft back in full.giving me just one day to repay them and then taking me to court which they have just done. I now have 7 days to respond to the judgment and ask the court if I can pay so much per month until I have cleared my debt I don't a C.C.J. As I am unemployed at present it is going to take sometime to repay I think they are well within the law what they are doing. So be aware