I have sent my bank the relevant letters regarding the issue of unlawful charges levied against me. I have detailed the sum I wish to be reimbursed for. I have recieved the response from them "read the terms and conditions etc." But as you are aware On 5 April 2006, the Office of Fair Trading (OFT) concluded that default charges over £12 are automatically presumed to be unfair in terms of the Unfair Terms in Consumer Contract Regulations. Unfair terms are legally unenforceable.

So the only recourse I have is to file small claim at the Sheriff Court, I stay in Glasgow so its different from England and Wales where you can do it all online.

The reason for this post is to find out from people who are at/ or have been at this stage in the past and more imortantly have been successful in recovering these funds.

I understand that no bank has ever successfully contested such actions.

Thanks