Just received all charges back . Started trying to claim back in October, wrote a letter to head office in Edinburgh, they replied saying that their charges were fair and they were not paying out, blah blah so i wrote the same letter again but handed it into my local branch (saves on postage). Received a reply about 5 weeks ago apologising for the delay and they were looking into my case. Last week i received an a letter from them, i assumed it would be the same 'our charges are fair' rubbish.
They said they believed their charges are fair but out of 'goodwill' they are willing to pay all £2230 i was claiming.
Thanks to all the support from consumer action group, couldn't have done it without you all.
Now on to claiming from the credit card!!!