Thanks to everyone for the advice you have given me, i will proceed with the court order and will keep you posted! keep your fingers crossed for me

Hi all I started my claim against Lloyds TSB just over four weeks ago i am owed just under £1150.00. I received a letter back after 14 days saying they were looking in to so i sent the 2nd template later saying they need to settle with in 14 days, they sent me another letter back last Thursday full of rubbish saying they have to charge this that and the other because of the administration work that is carried because of going over your overdraft and unpaid direct debits etc: I really did not want to drag it out mainly because a work colleague claimed against HSBC and received a full refund with 22 days just my look hey! Any way i was looking on the Money Saving Expert website and it says if you receive a second letter fobbing u of then to send another template saying u are willing to accept 25% less if they settle within 14 days, i have been reading through the threads and i cant see anyone else that has done this! What do u suggest i do, shall i proceed to the next step and file a claim online or send another letter for 25% less or is path this just pro-longing the process?