HI Tugela just to let you know i recieved an offer which i have accepted ,they wrote to me and asked for my bank details for the refund .So far it has,nt gone into my bank account, how long if you dont mind me asking did it take for your refund to go in to your account. Many thanks again for your help.x

Hi Tugela, thanks for your help i used the lady you dealt with ,ive had a reply today saying they are dealing with it thanks for your helpx

hi thanks for your reply i have used the lady you dealt with, ive just had a reply today saying they are dealing with it thanks for your helpx

hi how long did it take from sending your letter to them,to get the offer ?

hi iam in process of going to court with citi. i sent a in a postal order for ten pounds for my statements begining of july they said they never recieved it so i have been waiting on a reply from the royal mail to trace it .i then sent another one a few weeks later this time recorded delivery next day they got it .i waited for my statements but still nothing, with the postal order i had given them my letter asking for the charges back and gave them 40 days to do so .in the mean time they have sent me a court order 8th augest i have defended this stating i want the charges taken off the bill.the 40 days were up from the first postal order in augest.now i have recieved a letter from the royal mail stating that my postal order had been cashed all along.were do i stand with this as i origanallygave them 40 days and it was just stalling tactics to issue me with a court order so really i paid 20 pounds for the statements as well.i offered into court my callculations minus my charges and offered to pay this ammount which i say i owe. i recieved a letter from the debt agency this morning d.l.c. stating they will not be taking any charges off and would not accept my offer infact they want to put a charge on my house for the debt . can any one give me. advice.