Hi, i am a bit confused, not sure if i am doing this right ( i am a dumb blond, say no more). This is were i am at, asked for statements , they arrived very quick, highlighted all charges:eek: , more than i thought, made copies sent the bank theres. They replied the norm ( terms and cons), no money. Sent them the next letter say i would take it further, court, they said fine, went on money claim online, put in details of claim and added interest. Recived a letter from Wragge&co 20th july saying that they had recived and that would defend all the way, started to get really worried, then on 23rd july recived another letter from them staiting there defence. Also recived a letter from A/L saying that all charges were within there terms and conditions but would offer me a payment out of the goodness of there heart and that i have untill the 16th August to accept. I do not want to accept as its not even half of what i have asked for, i am not sure what i do. Hope you understand that, sorry its long winded. Andrea x

Hi alice-rose, thanks for your advice. Started a thread, i think i have done it right. I have recived my defence, same as everyone else has had. i suppose i just wait now, still not sure if i should let the bank know i am not accepting there offer, they said the offer stands untill 16th Augast if i accept,, to sign letter and send back but nothing about not accepting , it was a rubbish offer, would you know what i should do?

Hi, thanks to you all that replied to me, you advice was very helpfull. I carnt belive that i bank with the one that seems to be putting up the most fight:confused: . I am still not sure if i have to let the bank know that i am not interested in the(minor) offer they made, the letter says i have untill 16th of August to sign and accept, does anyone know please

could anyone help me, not sure what i have to do. Recived letter from wragge&co saying they are going to defend all the way, really scary, also had a letter from A/L with a silly offer, not going to accept, do i have to tell A/L that i am not going to accept or do i leave it? Also what do i do next about the courts, do they inform me the next step, all i know is that it will be at northampton courts,no date. Please someone help, really dont know what i am doing