I tried to enter my request for judgement a day early (in error) but the system simply wouldn't let me do it. I logged in again in the early hours of the following day and it was accepted. Got written confirmation from MCOL within a couple of days and FD credited my account about a week later.

Checked my bank balance this morning - and FD have credited my account for the £5365 I was claiming plus the £250 it cost me using MCOL. No sign of the interest I was claiming but I'm not complaining. It would appear they are overstretched. It has cost them £250 more (drop in the ocean to them I know) by forcing me down the legal route and then they didn't even submit an acknowledgement or defence. Can only assume they were too busy to get round to it. Good luck to those of you still pursuing claims - don't give up !

well - after submitting claim via MCOL I sat waiting for 14 days for FD to submit their defence. They didn't and so 14 days to the minute after submitting the claim I requested on-line that judgement be entered against the Defendant. I have now received written confirmation from MCOL that they have done this on May 22nd. Haven't heard from FD yet - but presuming I will soon. Anyone else had a similar experience? How long should I be waiting for FD to pay up?

Started Court proceedings against FD this week. Have received Notice of issue from MCOL. They have confirmed they have sent my claim to FD on May 2nd and will consider it to served on May 7th. My claim is for £5365 plus interest and my costs. Now I just need to sit back and await their reply ! Will keep you posted.

HI - this is my first posting. Have been pursuing pay back of charges against First Direct. Have got to stage of issuing LBA but they are still refusing to pay - I'm guessing because of the amount I'm claiming - £5,365. Am now ready to start court action but am worried that due to amount I can't use small claims system. Not sure whether to reduce my claim to just under £5,000. Any advice? Don't want a nightmare scenario of going the whole way, losing and having to pick up bank's costs. This doesn't seem likely from everything I've heard and read but has anyone been in a similar situation who can advise? Has FD settled on this size of claim - and at what stage?