Thanks for the information Kurt it has calmed me down some !!!

I have just used moneyclaim to issue court proceedings to claim back £2700 from the RBoS. They acknowledged the claim and now have defended. I was expecting a form from the court to fill in and send back which I was ok with but I have just recieved a letter from the banks solicitors. They are asking for clarification of all dates,amounts and reasons for charges.Also in relation to each charge an explanation as to why I contest it and how much I think should have been charged. In addition they say "In your claimyou state-an unfair penalty under the Unfair terms in Consumer Contracts Regulations 1999" "PLease specify all of the facts relied on by the Claimant in support of the contentions and in particular please identify the regulations relied upon by the claimant in alleging that the contractual provisions referred to are unenforcable" If i don't supply this info by 6/07/07 they say they can apply to the court for an order to "strike out the claim" HELP i have not read any other case like this what do I do ???