Many thanks for your reply......gives hope! Am I right in thinking that you would have received an Allocation Questionnaire from the court which you had to complete and send back?....or did you not get to that stage? What sort of info is worth preparing if the case does come to court? Thanks for any info. jm

Have been reading your story with interest. I have followed the procedure to reclaim my bank charges with the Nationwide. Wondered if you would kindly offer some guidance as this all seems very confusing. I am at this stage........ received my 'notice that acknowledgment of service has been filed' dated 16th May 07, attached to this defendants details ie Eversheds at Cardiff. To date (now over 28 days) havent heard anything by post and not sure what way I go now? I did my claim online and I am unable to go any further online as it states it will be transferred to the appropriate court for continuation. Did this happen to you kopstar? Do I just sit and wait for communication via post? hope you can give me some hope!!