Cheers Buzby, Foogy42. Got Small Claims Form from Sheriff Court other day, however at last moment b4 fillin in decided to go FO route. Couple o reasons...no need to build case, its free, court path will follow if unsatisfactory outcome( can,t go to FO after court case ) and i believe FO has awarded 100% of moneys claimed so far. Thought it worth trying 1st tho realise it's 6 and half dozen. Also recievd statements from HBOS after they 2c sent me 3yrs only, decided to really push my luck and just phone Dunfermline no and ask for my money back, guy very nice on phone and registered my complaint. Promised i'd receive word in 5 days, we will see!

Personally i wouldn't touch their money with bargepole till all is done and dusted via court or ombudsman,poss could make out as you accepted part payment this concludes matters, just my take on it as a non legal expert. By the way, at last moment i have decided to go Ombudsman route 1st. Free service, no case preperation and if unsatisfactory you can then take them to court. Do it the other way round courts decision is final. It's 6& half dozen what route you take tho so good luck!

I also am reclaiming A+L, they owe me £500+. After receiving their final offer of £100+(which i refused) and stating i would settle at £500(which they refused) i picked up Small Claim Form at Sheriff Court today. Gonna fill in and return this week. P.S. Buzby if you read this thanks for reply, cant find that thread anymore!

Hi all, just joined up. Wondering best way of reclaiming over £500 and under £750 from A+L. Their final offer of £100 odds unnacceptable. Advice well appreciated!(Glasgow area).