Right, all is looking good. I have submitted my claim to the courts on moneyclaim.com. I filled in a letter in the very small space they give you to fill in the Particulars Of The Claim. Then in the end I found that you have to send your interest sheet by post to Northampton as you cant attcah this to your claim. The buggers have acknowledged the claim though which means I have to wait until the end of Jan before it is formalised one way or another. They say they are willing to take it to court though. Is this normal for anyone? Be good to hear from anyone who has got to this stage. Has anyone actually had to fight it in court?

Ready to take this to the small claims ct now, have researched what I can and cant ask for just concerned about the wording I can use to submit the claim. Does anyone know of a template / tick list of the procedures I need to go through now I am at this stage. I have worked out my interest etc just want to file the claim now... Any help would be greatly appreciated as they owe me over £2.5k! Thnaks everyone for your help!

Hello, Just logged on to this site on my own as previously someone else was helping me. Firstly just want to say that its a breath of fresh air to see so many people willing to help each other out. I am currently going through the process with Nat West but they seem like right buggers! Taking it all the way etc. I have now got to the stage where I will be moving forward with court action. There are a couple of things I wanted to know though 1) Can I still charge them interest on my claim if when I was charged fees I was overdrawn? 2) These charges go back up to 6 yeras, I read somewhere this could be a problem, is this correct? 3) I have looked around the site for help with the legal jargon I need to include on my letter to the court. (I have registered with the on line court claims people). If anyone can point me in the direction of an example letter so I have a starting point for my letter I would be really grateful. Im sure its in an obvious place The Bank owe my over £2,500 and I have been desperate to get one over them for years so cant wait to bite a chunk out of there ankles! Thanks everyone