No need to go to Court - the law has changed to be on your side
As I already said as #19 on Ross's newsletter, I don’t think Ross’s experience dating back to June 2009 will recur, because since November 2009 you now have up to 13 months to query a transaction – no matter what MasterCard bylaws state.
reproduced verbatim below :
“If there is an unauthorised transaction on your credit card account you should dispute it without undue delay (and no later than 13 months after the transaction).
It is for the bank, building society or credit card company to show that the transaction was made by you and there was no breakdown in procedures or technical difficulty.
If you’ve not authorised the payment then your credit card company must immediately refund you the transaction amount unless they have some evidence suggesting you may not be entitled to a refund because of the way you have acted. In these cases the credit card company must investigate the claim, but must do so as quickly as possible.”
Banks & Credit Card companies now have to keep all the data readily available for 13 months, just in case you make a claim a year later. They can’t claim they no longer have any records of the event. If they didn’t keep any records, then since they can’t prove their case - you win.