Hello I am an Independent Accountant and one of my clients has their business bank account with Barclays. The bank returned on two days some of the cheques presented for payment and direct debits with a remark 'refer to drawer' actually there were sufficient funds in the account to pay these cheques and when a complaint were lodged the bank admitted it was due to an error and agreed to refund the unpaid transaction fee. The client suffered business losses and bad reputation due to these cheques being returned by the bank. Is there a provision to make a claim for consequence losses from the bank with out having to go through any legal procedures.