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Good news. We were due in court today. Just before I was going to leave for Derby, the postman arrived and brought with him a letter from BOI's solicitor. They withdrew their defence as it wasn't worth him coming all the way from Bristol. They've agreed to pay me the whole amount, plus interest up to December 4th and my costs. Good luck eveyone else.

Loan sharks is exactly what they are! Unfortunately I'm not at all surprised by this. It'll only make it sweeter when they back down!

I like that idea Jules. I cant wait for the cashier to ask me if I need any advice on where to put the money. I'm not sure my response will be entirely polite.

Received my cheque today. I'm absolutley over the moon. Julian and Lisa, I'll be watching your thread very closely and if I can help in any way then I'm with you 100%.

You dont need to supply them with an account number. They have to supply information relating to an individual, not an account. If I were you, I'd write back telling them that you dont have the number and remind them that if they fail to comply with the request before the 40 day deadline, they will be reported to the infomation commissioner. They've not got you over a barrel. You've supplied them with everything you need to. You've just got them squirming already!

Firstly Caro, congratulations on getting the offer. I was in a similar position myself, (interest being about £1300) and I decided to accept the offer. I was looking at another 6 weeks before I could even be allocated a court date and decided enough was enough. I cant imagine it going to court. They paid me £4700 and said it was "uneconomical for the Bank to proceed to a court hearing". This makes me wonder how big a claim has to be before it becomes economical. I doubt you could go to a hearing and come out looking like the greedy one.

I wouldn't worry about it Zultar. The 8 weeks is related to their internal complaints procedure and nothing to do with your statutory rights. Ignore it and carry on.

Start your moneyclaim. You shouldn't need to start over again.

Hi Claude. File a complaint with the information commissioner, at http://www.ico.gov.uk/. They should be able to get them to comply but it may take a while.

Yes. Best to send your letters to your local branch though, especially if you're not in Scotland.

Had V much beer. Should have been at work tonight but you don't get good news like this too often. Awesome news PJ. Hope your journey was worth the while Rachel. Just a note on the letter they have sent to me. They have said a claim of £5400 is not worth persuing through the courts. My claim is the biggest I've seen on here against the Yorkshire bank. Why would any claim smaller than mine be worth defending. Go for it. Get your money. I'm very drunk. Goodnight all!!!

:)Absolutely without a doubt. It's definitly beer o'clock.

CRACK OPEN THE CHAMPAGNE!!!!!!!!! The bank have offered me £4347.00 (the total value of charges taken) PLUS £350 costs. £4697.00 total. I could hang on to try and get the interest, but I'm not going to. DEAL DEAL DEAL!!!!

To binkus and anybody else. DO NOT ENTER INTO PHONE CONVERSATIONS!!!! Refuse to discuss things over the phone. Refuse meetings at the branch. Insist that everything be put in writing. That way they are accountable for everything they say!

Elaine, Unauth o/d fee- YES Upaid DD charge- YES Unpaid CHQ charge-YES Charges (monthly)-YES Interest (monthly)- I havent, but thats pence in comparison to the rest. Best to have a good read through the FAQ's before you make a start but it definitly sounds like you have a ligitimate claim. Caro, I disagree. The letter makes it clear that I am open to negotiation up until 31st August. The letter is intended to enforce the timescale allowed by the court for negotiation and settlement (i.e one month). In my opinion, they are abusing the system to intimidate me and drag the case on for as long as possible by challenging the cases track. My date for just an allocation hearing is 7 weeks away, and a whole month longer than the stay that the court has allowed them.

Question. Would it be possible/sensible to send the following (or similar) to Kirstie Ross? Dear Ms Ross, I write with reference to the court allocation questionnaire dated 25th July 2006, in which you requested one months stay to resolve the matter. Please be aware that should no settlement be achieved within this time, there will be no further communication from me. Any offer received after Thursday 31st August 2006 will not be accepted without ratification from the court Yours Turt

WOOOOOOOO HOOOOOOOOOOO!!!!! Fantastic news!!

Any tips? Expect your refund to be paid in lunar credits.

Probably not. I think you can write to them and object though. You're spot on though. It's not just about money anymore. They can wriggle and squirm all they like but they can't get off the hook.

Hi folks. Has a reply from the ICO last week. Waiting now for Morgan Stanleys reply. Will keep at them.

Hi folks. I'm going through my brothers statements to get the ball rolling while he's on holiday. I've found some charges on here that say "referal charge for X month". Can anyone shine a light as to what they are? I'm not with NWB

Fingers crossed, but be warned, they will drag it out as long as they can. I sent my prelim letter on the 16th May, and it doesn't look like I'll get a court date until the end of September.

Again Jas, you're spot on. They all mount up don't they.

Cheers rob / TC I'm going to send the following to the court tomorrow (monday). Any suggestions for alterations? Dear Sir / Madam, Allocation Hearing on 28th September 2006. I feel I must object to the judgement that there be a further delay in bringing this matter to a conclusion. The claim was issued through the court on the 9th June 2006 and I believe that a sixteen week wait, simply to get a date for the case to be heard interferes with my rights under the European Convention on Human Rights directly and as enacted in the Human Rights Act 1998. Art.6 1. of the Convention provides that “ In the determination of his civil rights … everyone is entitled to a fair and public hearing within a reasonable time.” I believe that Clydesdale Bank PLC’s request that the case be allocated to multi-track is a deliberate attempt to delay proceedings, given that my claim net of interest is well below the £5000 threshold for the small claims court and that the case is expected to take no more than an hour to be heard. I fail to understand why the small claims court would be unable to deal with this straight forward case. I also believe that the request by Clydesdale Bank to allocate the case to multi-track is an aggressive act, designed to intimidate me into submission.