Well done Kand. I know you would get there in the end. I agree about the rollercoaster. My cheque was dated some daft date as well. Just bank that money and wait till it clears - such a good feeling

Yeah it was against the Lloyds TSB. I think there will be lots of discussion about this over the coming days BBC NEWS | Business | Bank's overdraft charges upheld

If you accept the £200 you wiull still have your overdaft. If you get back WHAT YOU ARE OWED the overdraft will be cleared and you get £200, you can always get an account with another bank. I suggest you open a new banak account asap. Stcik with your claim and your timetable you will get back every penny you are owed.

I agree I would contact the court. My gut feel is they have sent you a defence but not sent the court one as they have no intention of defending the case. If they send you their defence they hope you are scared into dropping your case

Don't panic again another scare tactic to try and get you to drop your claim Stcik with it and keep us informed of progress

Thats corect no AQ to fill in, the reason for this is courts/judges are getting sick of banks wasting court time and energy. I would phone your court just to confirm but I think you still have to pay the AQ fee.

nic how are the justifiying each of the charges? They have to show that each of the paid item fees etc ACTUALLY cost £30 to do. We all know from previous whistleblowers etc that the true costs is aroung £2.50 (if that). In their defence they have to prove or show that for bouncing a cheque etc it actually costs them £30 to do it. Needless to say they cannot prove that at all. What they have sent you is rubbish. Its a major scare tactic. By sending you 6 pages of legal jargon they still hope you will walk away as its too complicated. Stick to your guns and just get everyhting prepared. In etrms of your schedule of charges. With your Premil letter, LBA and once you issued court proceedings you should have sent a copy of the schedule of charges. The bank will have a copy of these charges anyway but it is something you have to have done.

Thanks Gilly - yeah just waiting for the cheque to clear , more waiting

i got paid out over £3k this week They never entered a defence and was abotu to apply for judgment against them when they paid up

send them a rejection letter ( see the template section) and then continue with your time table

I would photocopy their letter, rip the cheque into 2 pieces send them a rejection letter stating the £1009 and that you require full payment of £xxxx STAPLE the cheuqe the rejection letter and a copy of their letter together and send it recorded delivery.

Pegg, I agree they have had the particulars of claim on several occasions I feel it is a standard tactic (from all bank solicitors) to scare/delay the process. All banks know that they have to pay up, they do not have a leg to stand on. If they can scare 10% of people to drop their claim then thats 10% payout saved. My gut feel is that with such media attention people follow other websites/media guidelines that is not as in depth as CAG - nor do they have the forum to discuss with other their experience advice. So here is the senario: Mr A uses BBC Watchdog templates to claim money back... Mr A goes through the process following the 'ten point' guide. Then MR A gets a letter from the banks solicitor - Mr A cannot find any help on BBC Watchdog site dealing with the letter so drops his claim. I am not saying the BBC Watchdog site or similar sites or not good, but they are not as in depth as CAG. Simple. In terms of closing my account, the letter with the cheque said they woul dbe contacting me accout my account - standard issue again as the account was closed late last year

If MCOL still shows acknowledged and you have not received anything from the court then no need to panic. Wragg are trying to scare you into giving up, it is obvious they have no intention of claiming. Also my feeling is that Wragg know the courts are getting very annoyed with the banks and the bank solicitors - swapping the with work and having no intention of defending any claims. So instead of entering a defence with the court they try to scare you off with 6 pages of rubbish ( their defence). I am sure there is a % of people who drop out at this stage. DONT DO THAT Stick with it and you will get paid out. A&L seem to drag it on as lonf as possible but in the end they pay up. My Cheque arrived on Saturday and from the initial Prelim Letter to when the cheque arrived was over 70 days. Stick to your time table. (33 days from when you issued your claim).

Yes I would reject the offer. rip the cheque in half and send it back to them with a rejection letter from the templates section