-Sent Prelimletter for overlimit charges -Received bog-off reply -Sent LBA -Received offer of 'full and final' settlement, of difference between £16 and £20 for each charge, including some rubbish about the OFT guidance. -Sent 'Rejection' letter - Issued proceedings 13th March - received acknowledgement 26th March, being handled by Eversheds who intend to defend all of the claim

Acknowledgement being dealt with by DG Solicitors, 12 Calthorpe Road, Edgbaston, Birmingham B15 1QZ Anyone had any dealings ?

Court papers acknowleged by M and S yesterday, guess the 28 days are ticking now

Went through the processes, and sent LBA which expired yesterday Received letter this morning, with their final response, saying they wouldn't refund anything and referring me to the Finance and Leasing Association Court papers issued on line... watch this space

This was in yesterdays Guardian - has anyone any idea if its true or not? Nationwide has backed down in the row over customers reclaiming their bank charges, and says it will not be closing the current accounts of people who have won refunds. The move came days after Guardian Money took Britain's biggest building society to task for kicking out customers who had been given their money back after complaining about unfair charges. Nationwide has also rewritten the letters it sends out to people who complain. Two weeks ago, we reported that it was telling people they could have a full refund - then sending them a letter saying their account would be closed, and if they tried to use their chequebook or card after the closure date, "we will view this as attempted fraud and may start legal action". The society's change of stance also follows a recent Financial Ombudsman Service decision in favour of someone whose account was shut after he won a refund. The ombudsman said the unnamed institution appeared to have used the closure of the account "as a retaliatory or punitive measure". It was told to pay the man £125 to compensate him for the "inconvenience". This week, the Financial Ombudsman Service said it was growing increasingly concerned about the tactics apparently being employed by some banks and building societies to fob off complainants. "We are now starting to see a number of issues that concern us," says a Financial Ombudsman Service spokesman. As a result, it is referring some of these issues on to City watchdog the Financial Services Authority. The spokesman says it would not be appropriate to name names. Perhaps not surprisingly, the ombudsman service is seeing an increase in complaints from people who have had their accounts shut as a result of winning refunds. It currently has about 50 such cases.

Yep, finally got the court fees back from their Sols on Thursday and a letter confirming all the charges had been wiped from my account

Well done, I'm waiting for the letter confirming that I've not been charged, and am getting the court fees back. They're pretty keen to get the judgement I had against them set aside.

Black Horses defence arrived this morning, their defence is that the charges that their letter says that they've charged haven't actually been charged to my account Apparently they review the charges after the final payment, and either charge or don't at that stage

Has anyone actually ever won against them ?

I took on Black Horse, started in November, issued County Court proceedings in December, had the judgement filed on 29th December, have heard absolutely nothing at all from Black Horse Sent the bailiffs in with a warrant, which was returned as Black Horse intend to defend the warrant ? Any ideas anyone ?

I've also just got a judgement against them for £440, and have sent the bailiffs in as they haven't responded to it

I got a similar letter in response to mine of 17th October. I continued the procedure and got full and final settlement.

Hi, Could you give me the contact details for Marbles, am having problems finding them Thanks in advance