Hi all, Thanks for your kind replies. Money was in credited to bank account today,a cheque. Don't really know what advice to give others than; Stick with it. Stick to your timetables, not theirs. Be polite an straight to the point in your emails, letters etc. Remember they are seeing hundreds a day. Give them a set time on negotiations and leave it with them, stay away from the computer. Accept an offer you a happy with, if you want the lot be prepared for a wait. NOTHING is quick in law! Suppose a mod could put ***WON*** on ours! BTW, we settled at 95% + costs. So good luck, good things come to those who wait. D&M xxx

Hi Peeps! Although we did not post much here, not even a post to say we taking on Abbey. We did send the "gimme me money letters", back in April. We followed all the Instructions, read as many posts and FAQs, as we could find. Went along as each step suggested, and guess what...... After the acknowledgment from Abbey to the court order(MCOL), we decided to drop abbey an email dropping slightly on our total and interest just to test the water. Accepted! We got £3500odd back!!!! Was a shock! We will keep the court stuff going till the money hits the account. Wish to thank all here, when the money hits the account, we will be donating to this great site. Cant wait to tell the hubby! ( could not tell him at work, he would have drunk Canary Wharf dry!) Stick in there guys! D&M XxX

If you want to settle early why not send an email off to them. Don't make it look as if you do not want to go to court though. In the eyes of the judge, if it goes that far, I am sure all your negotiations would look good on file, stating that you gave Abbey plenty of time to negotiate, and that you was trying to save the over burdened court system time. Hey, you may even get lucky and they cough up, don't hold your breath tho'. Saying that, there have been numerous successes here, with pre-court negotiations. From what I have read here, they seem to "cough up" with settlements close to the initial claim of the charges but without the interest, seems closer to the court day the better your chances. Good Luck, patience and determination is the key.

This is how I saw the insult of a credit they gave me. ( Or my wife told me to think of it like this...) Imagine if I gained access to you account and took a large amount of cash over time, then you found out, I offered you 10% back and no apology, placed it in your pocket, whilst rubbing my hands all over your cash, telling you it cost XXXX amount for me to press my finger on the atm and use your pin number! My mrs asked what would you do? I replied "Thump the bast...." "No" she replied, "You take them to court, and make em pay it all back and then some". They do these things to scare and wind us up, use the advice on site and if you not happy with that offer, reject it ASAP

Hi there overflow, I expect you will receive a letter very soon, about the amount credited to your account. The same happened to me last week, although I told the over the phone that the offer was a joke and refused it. They still seemed fit to credit it into my account. Today I received a letter with the usual crap sent to others. I believe there was a postal strike late last week. Maybe your letter is delayed.