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Barclays Bank & Barclaycard

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I have sent the appropriate letters on behalf of myself and my elderly mother. Letter one the request to repay the charges to the three various accounts was made ( Barclaycard ) 30th june...replied to on 11th July basic letter of apology about unhappy with service etc....16th July offer of £48 against charges of £120. 18th July rejected offer. 22nd July Letter claiming i was aware of the charges etc etc. Issued a letter advising of court actiopn on the 25th July.

Same outcome with Barclays on the personal current account. They are either intending to defend this action or hope that i will back off. They offered me a settlement figure of £80 against £400 in charges. Has anyone actually been to court against Barclays and should i process all three claims against them as one count. Can one issue criminal proceedings against Barclays as a result of a successful civil action. Maybe Obtaining money by deception ?

Views welcome but only if you know the laws please.

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