Well... latest update: I've received a response from Northampton County Court saying that the Cooperative Bank have paid the disputed amount by Cheque. Unfortunately I've not yet received the aforementioned cheque, so each morning I eagerly await the postman, like a child on his birthday! Anyway, as soon as I received the reimbursement I shall inform Northampton Court that payment has been received and that I shall not be continuing with my claim. Stay tuned!

Well... I've now received a statement from the courts telling me that The Cooperative Bank are defending the claim and so on. Not the best news I've had recently - why can't they be as forthcoming as MBNA? They settled in full without any problems. Oh well, guess I'm going to have to wait another 4 weeks before they cough up... I wouldn't mind, but it's only for £340 plus costs!

Hi Blueskies, Just posted an update to my claim against MBNA. Now that i've won, I would be grateful if you could change the title and add it to the successes sub-forum. Ta muchly!

Well folks, the mighty MBNA have toppled... after registering the claim with MCOL, I received a letter from MBNA legal department last week telling me they do not accept the claim made, but in order to promote good business with a loyal customer, they are willing to refund the remaining monies owed to me... Hurrah! Another win for Stubbs!!! Power to the people and all that. Citizen Smith would be proud!

Hi Jubaxt, I know what you mean... Yes they have 4 weeks to investigate (2 weeks from Initial Letter and 2 weeks from LBA) but last week was the end of those 4 weeks, and they needed a further 4 weeks!?!?! Tough luck, now I've filed the claim with MCOL, they've now got to pay the additional £100 in interest, and the £50 for the court fees... shame that Good luck with your action.

Well, Claim filed with MCOL on Friday last week. I'm just going to sit back and wait for the court to contact me. Hopefully MBNA won't be too far behind with a big fat cheque.

Claim filed on Friday - Saturday morning I received another letter from the Coop. Basically they've told me they need another 4 weeks to investigate my claim. Oh well, they'll have to explain that to the court when they receive the papers in the post (hopefully some time this week). Stubbs .oO(I wonder if anyone's actually reading this )

Hi Crystal, There are two options you can do at this point. One, accept the payment as part settlement and inform the bank that you will be lodging a claim with MCOL for the outstanding amount. Or Two, send a letter to the bank rejecting their payment and authorising them to remove it from your account, and that you will be taking them to court for the full outstanding amount. As they paid the money so late after the 28 days requested in the two letters you sent, I would personally opt for the second choice. Infact, this is what I'm currently doing with MBNA credit card (they offered me a £460 settlement of an £880 claim). Here are some sample letters you can use to send to Lloyds: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Enjoy! Stubbs

Hi Wednesday, Contractual interest and the 8% statutory interest are two different things. You are right in saying the 8% cannot be added until the MCOL claim. However, the contractual interest can be added from the start of the claim to the bank. My problem is that I'm now at the stage where I'm about to lodge a claim with MCOL and I think I'm too late to add the contractual interest to my claim - I think I'll have to settle with the 8%. Still... one mustn't be greedy now! Stubbs

Unfortunately I'm just about to register my claim with MCOL - does anyone know if it's too late to update my claim with contractual interest or have I missed the boat? Cheers, Stubbs

Well, it's now the 5th and still no lovely nice cheque from the Co-operative Bank... what a surprise. Therefore, I get to file another claim with MCOL for the full £260 plus interest... a whopping £340! However, seeing as I'm eying up a new home cinema system, this'll do nicely thank you very much - minus the 5% donation to this site of course . Stay tuned for the next chapter in Stubbs Vs The Cooperative Bank

Well, good evening everyone... MBNA have finally sent me an offer of FULL AND FINAL settlement - unfortunately it was over £400 short of the requested amount. Therefore I shall be lodging my claim with MCOL at my earliest opportunity - before the end of this week. Seeing as though most of the deductions occurred in 2004, this adds a further £200 in the 8% interest. Personally I thought it a flippin cheek that they offered me a partial settlement seeing as though I could have added contractual interest - if I could have gotten my head around the calculations! Anyway, stay tuned for more developments. Stubbs:)

Hi Guys, I personally used their address on Colmore row, Birmingham when I filed my claim: Customer Care LloydsTSB 125 Colmore Row, Birmingham B3 3SF It obviously wasn't wrong as they paid up over £4000! Hope this helps.

Hi Helen, Just a quick post to remind you that you can claim the MCOL fee back from the bank. Also, when you lodge your claim with MCOL you can claim the statutory interest of 8%... which should help your situation a little more. Just remember - of course it's worth it! You wouldn't throw away nearly £1000 of your money if you had it in your hand would you? Stubbs

I did consider it to start with, then when I tried to work it out I got into a bit of a mess so I decided that it was too much hard work - I'm an engineer not an accountant! I thought I'd stand a better chance of being successful if I just stuck to the simple case, and not risk doing it wrong and screwing up my claim. I didn't have this money to start with, so any payment is a bonus! Thanks for your post though. Stubbs