Thanks mikeb1 I've beenn advised to pass my claim over to Ombudsman because of the amount i am claiming, i'm still reading through all the threads so i will keep you posted.

Sorry about that :o you can tell I'm new to this, I know I need to get the court forms from the court but I thought you could only claim £750 at a time??? Do I downloand the forms for the (FOS) from the website??

Thanks for that, do I download the forms from their website??

Advise and help needed!!!... I am claiming £2070 from airdrie savings bank, i have now received a reply from my second letter to them claiming all charges, they have told me until the OFT publish their findings they consider their charges to be fair and reasonable (aye right) and are unable to refund my request for bank charges, this will be reviewed once the OFT publish their findings. I am on the verge of giving up, i am so frightened of the thought of small claims court, should i go ahead? what will happen if i lose?