Found another thread and sent this to him.....
Dear Dino,
Thank you for your prompt response.
I realise from your defence that you do not agree with my legal analysis that the charges levied to my account amount to penalty clauses and are deemed unfair. I do however recognise the fact that the sum at issue between us is relatively modest and as such, it is not cost effective for either party to take the matter to trial.
Therefore in order to avoid the inevitable time and cost associated with pursuing the claim to trial (date set for 29 June 2007), I am willing to settle the claim upon repayment of the charges applied to my account, together with statutory
interest
and costs totalling £3678.21
Only once in receipt of cleared funds will I then discontinue all action against Barclays in connection with this claim.
I have attached a schedule of my charges for your reference.
Kind Regards,