Didn't take them to court, wrote a letter loosely based on a "which" template, but far better sounding even if I do say so myself. They then sent my a huge pile of statements, and requested an itemised request. I spent a couple of hours going through the statements, then sent them a long list with date, amount, description. Example 14th May 2005 - Overdraft fee - ?80.00 16th June 2005 - Card misuse fee - ?30.00 and so on... After sending that, they took a fair while to come back to me (a good couple of months), but in the end it was great. I'd claimed a total not much over ?2k, and they sent a ltter saying that whilst they were absolutely sure they'd beat me in a court, they would offer me ?2k... Can't have been that confident of beating my. Simple as that, 5 working days later it was credited to my account. Happy Days. Will look at First Direct then.