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Dan I have got to know - is that really your name or a "lion's den"' allusion? Full marks for courage (but not for spelling) either way.

Just suppose they do the decent thing and refund charges to everyone, what do you think will happen to the people who have won their cases and already been refunded?

Nationwide did not enter a defence so I applied for and obtained judgement. Does this mean that I have won? How do I get my money back?