A word from the other side of the fence...

I have, on occasion, had to deal with the most vile, abusive people who then proceeded to try to make a purchase. Whilst utterly unprofessional, when making a transaction, I had the technology to approve or decline the transaction... If someone was a total ****hole, I kept processing the transaction (to waste their time and make the people behind them give him/her sideways glances) but pressed the button that would print a "declined" receipt, without the knowledge of the client. I derived a great deal of warped satisfaction in smiling sweetly and saying "I'm sorry, but I am unable to process the transaction. You need to refer to your service provider..."
I know this is a shocking admission on a public forum but, by God I enjoyed every one!!
Gill... In your case, give 'em Hell... I love your eloquence and superior knowledge of the law and your rights! Truly a woman after my own heart. Make sure you get the compensation, flowers and wine that the banks are currently handing out! You might have to ask for it, but hey! there is something curiously satisfying about sipping a decent Merlot with "Compliments of Barclays" on the accompanied by it!