Right, just spoke to Julie at DG - very nice lady - she said that she got my list of charges and they're with HSBC now who will make me an offer - with regard to timescale, she did not know when it would be because of the xmas backlog, but it is being looked at and will hopefully be next week...if I accept the offer given to me, the money will be in my account 7-10 working days from acceptance. I asked her if I still needed to take my AQ and £100 to the court tomorrow and she said she couldn't advise - I said that I would carry on with what I was doing in case it did end up in court, therefore I would have carried out the correct procedure. kathryn, I would phone her and fax over a list of your charges...