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RE: Do you think I have a case?
Do the bank charge you or the phone company?
If the bank that's very steep, and usually you get some charge + whatever you owe if you don't have an overdraft set up.
If the phone company that's still a pretty high charge and not really acceptable if you managed to pay them in reasonable time.
I don't know if arguing about it will eventually be worth the time, I was getting taxed for a few years but if I went through the hours of paperwork and phone calls I'd've only got about £25 back if that, it wasn't worth my time in the end.
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