Have you threatened them with the small claims court? If so and they've still declined you the next step is to go through with your threat.
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Now it’s time to get legal on their backsides and actually go through the court process. Do it right and this is a simple online process, and in most cases the banks will not contest your case.
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Info is here:
http://www.moneysavingexpert.com/cgi...050760,24632,#
It's really very easy and doesn't take much time - they should cave in once they get the paperwork through
The link above even includes an interest calculator for you - just plug in the charges and the date you got them and away you go.
Good luck
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I cannot seem to locate the MSE site link - would you mind posting it on here for me please?
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Enjoy