Thanks again for the advice.

Yes i'm in Edinburgh, Scotland, no relatives south of the border i'm afraid. Sorry, not found my feet on the site yet, where is that link for the refusing "part offer" letter? I'm looking around just now, to get a feel for what to do. Thanks for your help.

Sorry to get right to business but i'm at a loose end with all of this and i was wondering if anyone here can help. I'm currently claiming just over 3400 from the RBoS for illegal bank charges, they have sent me a letter back offering me £525, obviously this is unacceptable. My problem is what to do now, i can't go to a small claims court in scotland because it's over £750 i'm claiming. If anyone could point me in the right direction It'd be much appreciated. DJF