Well done Boonyed I think the determination won through and I can't see issuing a defence is anything more than delaying tactics. I am new to this site but i wondered if anyone had any experience in claiming back charges from Barclays masquerading as "commission" when applied to a small business (sole trader) account. my wife was banking under her own name "trading as" and has been charged more than £2,500 in the past 5 years. We are determined to get it back. Any advice or experience would be welcome