What to do next, should go through the mediation process? Not willing to pay them anything since I don't owe them, so I can't really see the mediation making any sense in my case...

Time to update this thread and include the previous correspondence that was disapproved: Letter received 11/08/2014: Letter received 01/09/2014: Letter received 01/09/2014:

Oh, sorry Andy, did not realise! Just wanted to document everything well on this thread in case others need it later. Can you remove just that link and leave the others, will ammend the photo and re-upload.

Some more documents received this week: I really don't want any sort of mediation, as I don't owe them anything, but meanwhile not sure how capable from the legal point of view I will be to stand my case in Court. What to do?

I will ignore it as well, worst case that could happen they win and I would have to unrightfully pay them within 28 days. Yes, that's including all their cost.

So what do you think, Andy? Should I just ignore this letter and wait for the Court to come up with details?

Some more correspondence received from BC today:

Just makes you wonder how desperate are they for the £200 they're claiming... Thanks a lot Andy!

Cheers, Andy. Anything I should at this moment or just wait for the court to respond with date and time for the hearing?

Little update on this, got a reply from BC today:

Found the & and replaced it with AND, it worked! Defence - Confirmation Step 7 of 7 Thank you. You have successfully submitted your Defence form to the court. Will keep you updated. Thanks again!

Now it's saying: The following errors have occurred: This field has invalid characters. You cannot use ;& ". But haven't use any of them, must be a glitch in the website.

Thanks a lot Andy!!! Just tried to submit and I get this error We are sorry, but your request has been rejected owing to one or more technical reasons. Please check your input and try again. If you continue to get this message then please contact the Money Claim helpdesk. It can be contacted for support between 9:00am and 5:00pm, Monday to Friday on: Tel: 0845 601 5935 Fax: 0845 601 5889 If you prefer to write your query instead, please contact: Money Claim Online Northampton County Court 21-27, St. Katherine Street Northampton NN1 2LH Or email to [email protected] Please make a note of the following support id: ================ Just emailed them with error message, reference number and screenshot. What can I do to submit it? Will it be too late if I call them on Monday? I will keep trying meanwhile.

Thanks ever so much Andy! I'll make sure I make a donation to the website!

Just spoke to them, opened my current account on Feb 2008, so I closed the Lloyds one same month.