18 days after service of the court documents they paid 1 amount of cash to my account, this represented the interest due plus court costs of £120 and 5 days later 2 amounts as "cn" correction they added up to the total charges claimed back. 2 days later a letter arrived telling me what had been paid and informing me that a proposed account charge had been suspended. They also informed me that they cannot provide free banking and if I strayed into any breach of the terms and conditions in the future that they may have to review my account availability. I have now informed the court that they have settled my claim in full.