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As the judge referred to the terms and conditions in question as 'the terms now generally used by the banks', he could merely be referring to present terms and conditions and not to historic terms used on accounts before banks began to amend them over the past 18 months.
He is now furious his chances of reclaiming the charges are remote. I'm no different to a normal current account customer, so why should I be treated differently?
For some late payments and over-spending can be a hard cycle to get out of with charges often being the straw that breaks the camels back.
'People with claims dating back several years may still have a chance if they get their claim in as soon as possible but, to be honest, it's unlikely.
Banks will interpret this as a ban across the board.
I don't usually use the overdraft facility but it's nice to know it's there in case I ever need it.