You can apply to the Tribunal for a Cost Order to cover legal fees up to £10,000 HOWEVER the person/company must have acted unreasonobily, therefore it is very difficult to claim!!! You don't need legal representation if you don't have to; however it depends on the case. A family member has just won a case of direct discrimination * 6 counts, harrasment and failure to follow statutory procedure; due to the complexaties we retained a soliciter and a barrister to represent her. The legan bill is currently up at £15,000 and rising.......companies delay so that is costs you more!! We have put in a cost order for 10,000; otherwise we are stuck with the legal bill! But is should be a substancial pay award! You can pursue a case for your legal costs through the magastrates court, only if you win.......The employment tribunal has no power to collect on any order, therefore you can approach the magistrate for an enforcement order; so you can send in the bailiffs if they fail to pay out!!!

Tesco do like to buy into just about anything, RBS may be a little large for even Tesco! Sainsbury's Bank maintain that there are following their T&Cs

Hi Have had a sainsburys bank credit card for about 6 years with no problems. On my cruise holiday I tried to register the card and it was rejected, I thought this to be strange as I had just paid the balance off £1200!!!! Anyway could do nothing as I was at sea----stranded with no means of payment! A letter was on the doormat at home stating that "with imediate effect" your credit limit has been recduced from £1200 to £150 giving no reasons! I have wrote letters to sainsburys bank, getting no satisfactory reply I have wrote to them canceling my card. There don't seem particually bothered, there must perfer people with large outstanding balances on their cards!!!!! I have told them I have gone to another provider - Tesco who have announced they buy-out of RBS this week! Also I had returing my Necter card, I was a weekly shopper at sainsburys - not any more. If Sainsburys bank do not want my custom then so don't sainsburys supermarket!!! Sorry about the rant, but I am so so very annoyed!!!!

After rejecting two offers I put a claim in online using moneyclaim, about two weeks later I got a letter from the Halifax stating that the court process will cost the Halifax money and due to "commercial" reasons have offered full payment of £561. We have another account with the Halifax so I am staring the process again, I think this account has more charges on which I intend to get back! Thanx to you all

I took my S.A.R into the local branch and paid cash, cost me £5. Make sure you get a recipt!

Good Luck

I have today filed my MCOL; After refusing full sellement of £100 and a leter off of £156 which is an insult! so after Prelim letter, LBA and 2 rejection of full selltment letters I have had enough and claimed without notice. Hope I get back what I am entitled to...... Thanx

Well Done

Hello, Got my statements at the weekend and they owe me less that I originally thought, following my prlim leter they offered me £100 I am claiming over £400 so I am sending my LBA today! I am waiting for statements on my other Halifax account I think that here ill be even more charges on that account. Kepp you posted

Well Done!!

Its £20 for Late Payments

I am sending my prlim letter to Studio cards and I am claiming for all the service charges, its up to them to work it out of just pay me back all my money cos the interest is just aboput 100% and they have added payment protection which I did not ask for and have canceled it, but they just keep taking it.

just about to send prelim letter to Studio cards, I have a total of £506.51 that they owe. Lets hope mine is as quick as yours!

Well Done and Good Luck with A/C number 2 ;-)

Remember its your money!!!!! So get it back, no matter the amount!