Filed on moneyclaim and Cap One acknowledged the day after, indicating that they would be defending the whole claim.
However, 10 days later I receive a letter from them saying that they are happy to settle out of court for the full amount plus interest plus £30 paid to file.
I have of course signed this agreement and returned it to them and await my cheque for almost £170.
I am so happy I am doing half - cartwheels. Full cartwheels when the cheque actually arrives!
If anyone is having doubts about reclaiming charges, bite the bullet and go for it!
CG