Got bank charges back for son, but husband bank defending action.

[ChloeJane]

While the process now appears daunting, have some faith that this is now just going through the motions.

There is nothing to do now till they file their defence. The defence - probably has you thinking or doubting your claim. This is what they are banking on...for you to lose your nerve now and settle for a lesser amount.

The court will be in touch when they receive the defence and send you a copy. It will usually be with 7 points on it, justifying they are right. they are not!


Everyone worries that they will end up in court. You won't!!!

The defence is a standard procedure and just another step closer to your money!

If they have not argued in their defence your amounts, then be assured you won't see the inside of the court room.

Many people ask why? How do I know I won't lose?

Because.................

The office of fair trading has said £12 is reasonable for their fees etc but this is still much higher than it really is! So if they had to attend court, based on what you have asked them to provide in your application to the court..they would declare it is less.

The banks are drawing it all out as daily they earn interest on YOUR money....so why pay you earlier than they need to or are forced to! Why not have you unsure and possibly agreeing to a much less offer!

So they won't show to give the information under the disclosure rules -rules to disclose documents that you have asked for.....because their fees are actually even much less than the office of fair trading set!! Once they defend once with their fees, everyone could view them and everyone would be reclaiming and not intimidated as it was a sure win!

So hang in there! Its a process and like a chess game! Nerves of steel needed and use the site and support to be confident.

Hang in there - forced savings plan as you are earning interest!

CJ