Thanks, sorry for the delay. I think as the claim was pretty chunky already, my friend didn't want to push her luck or the figure too far above the £5k limit, although clearly it's totally admissable. I take your comments on board! Be interesting to follow the Lloyds "victory" to see what happens, although CGA's views today are that an appeal will win the day.

Thanks ladybird, confirmation useful. I'm still familiarising myself with all the Q&As etc but if A&L back out pre court, can we stick in a retro claim for the interest in the vague expectation that they'll cough up? Could generate a further action all of it's own I guess!

Thanks ladybird, we haven't included interest at this stage given the size of the initial sum! Presumably if successful, the judge will add this anyway? The original letter via moneysavingexpert gave the option of interest/no interest letters, so went for the latter to avoid over-egging things. Your second point makes sense, this is my gut feel too.

Many thanks sea-sidelady, I did have a peruse of this info but given that the initial claim for c£7500 has already gone in, it seems we can only follow up with the 14 day red threatener at this stage. Also, looking at the £5k limit messages,whilst it sems there are advantages splitting, the moderator states clearly that the advice for the site is not to split it. Given it's well over £5k, will this automatically preclude SCC involvement, even tho' at the judge's discretion? My friend will be alarmed at the potential court charges, even tho' it's unlikely A&L will appear.

Hi, my first foray and message! I'm helping a friend who has a business (sole trader) and who has put in a claim for c£7500 all through one account ie above the small claims threshold. Hence, claim cannot (I assume) be split into separate claims for lesser amounts. Accept court action/defence unlikely but A&L will undoubdetdly try it on with any refund limited to £5k knowing this, can anyone offer any advice/guidance please? Any offers of help gratefully received, I suspect this will prove tricky given A&Ls track record from your forum! The initial letter sent was using the moneysavingexpert template, hadn't found you then! The 14 day limit has expired without response, so could do with a quick reply if poss! Thanks.