Hi This happened with me earlier this week - I found that I was able to request judgement by default the following day. Suggest you try again tomorrow? Frustrating I know! but I've now progressed to issuing a warrent for the money so it does seem to happen quite quicky. At least you're nearly there!! Well Done.

Interestingly I've just had an almost identical conversation with BoS, they kept referring me to the T&C's and told me it was an administration charge. When I asked them how this was calculated I was initially told that they didn't have that information and then that they were unable to disclose it. I was then referred to my local branch manager (I think in their attempt to get rid of me!). We agreed that we were going round in circles & I voiced my concern that they didn't really understand their job - I was getting a little frustrated at this point!!! All this for being £6.30 overdrawn for 24 hours!!!! Am now determined to persue them for refunds for the last few years! Feel better now for venting my frustrations.