well, letter received from FD today, usual "confident of winning in court" "dont accept liability" etc, BUT, "to save unrecoverable legal costs" etc they have offered over £2,400 in full and final settlement. Due to my current situation I have accepted this.
I know, I feel like I have let people on this forum down somewhat but as stated above my situation does not realy lend itself to a drawn out battle for the sake of a couple of hundred pounds when I can have over £2,400 in my account in a few days time.
To be honest I was surprised by the amount, I quite expected an offer of maybe £700 of the asked for amount of £2,700. £700 I would most certainly not have accepted.
Anyway, thats my story and a donation will be forthcoming as soon as I get the dosh!
Thanks to all for the advise and support on this forum and I will continue to visit to keep an eye on the threads. Also, AMEX and MBNA to go next which probably wont be as easy but at least I will be in a position with them to stay the course a bit longer.