[entwisi]

raise a formal complaint through their process. ( Which they are legally obliged to have). Dont let it be someone "promising to look into it for you". I'd also write to teh financial ombudsman and ask their view on what would be a "reasonable" mechanism of notice and if what they had done was deemed acceptable. Do this seperately and dont tell them at this point you are doing it

HAve you tried googling to see if any others have had the charges refunded? If they have then start stating they have set precedent at them.

If you want to take this to PM just let me know, whilst I work for Barclays I do have a pretty good undertstanding of how Banks complaints processes are regulated as even I have to do the mandatory training courses.