We've reached the final part of the process with A & L. We are claiming £3000 since January 07, they initially offered us £900 then with the help of a "nudge" letter last week where we offered to settle for £2600 they offered us £1800 in full and final settlement, as well as us having to agree to their T & Cs for all future charges. We obviously refused this and have now sent them the court bundle claiming the full amount (charges, interest and all expenses).
The court date is 14th August at Oxford C C - is anyone else going to be there on that day? The court tells me all the bank claims are going to be dealt with on that day.
Nat West have been easier to deal with. We had to go down the court proceedings route but once we got it allocated we sent a "nudge" letter to Cobbetts and they agreed to settle the full amount (£1655).