Hi,
Just an update on what has happened. I sent a nudge letter and have received a reply.Basically the letter states that I have sought to claim a charge that is statue barred (my error £20.00). Also I missed a charge that they refunded the following month (ok my error i hold my hands up to that one too!). Anyway the top and tail is that they have made me an offer that is £1000 less than what I have put in for and when I recalculated the spreadsheet this does not include legal fees (which they say it does) and they have basically taken off the 8% interest. Not sure what to do whether to accept the offer of or hold out for what is due. Any suggestions..