[smucks]

After reading most of this thread and asking someone on here I have put a letter in to my bank asking for a statement of any charges they have charged me over the last 6 years.
I took the letter in to my branch and straight away I was meet with "But you agreed to these charges when signing for the account"
A quick explaination of the information I have learned and its now on its way to head office/branch of Barclays.
I will let you all know what happens after the 40 days