The amount doesn't matter. I've read threads of people claiming just one or two charges, and the most I read of was about �11,000 - gulp. Do read the threads on CAG, they will certainly inspire you to claim it all back. My daughter is claiming about �300 back, and we have just sent Letter Before Action - next step is filing at the court. She doesn't have to pay court fees, as she is on benefit, but if you have to pay, you can do it on line. You also get your court costs back, and 8% added on top from the date they took the money from your account. The banks usually say they are going to defend, but then the money mysteriously appears in bank accounts - no admission of liability !!!!!!!!!! If the banks could defend the charges, they should have done so by now - save all the farce.