I'll adapt it. That seems better. Thanks very much for that. The court has stayed action until 7th March so they will end up getting much longer than a months stay.

Just to update everyone, been a bit busy but finally got this written up tonight. Going to get the missus to post it tomorrow. "Dear Miss Ross Thank you for providing me with a copy of your completed N149 Allocation Questionnaire, which I received on 18/01/07. Referring to the Allocation Questionnaire, I must admit to being somewhat surprised by your response to Section A (Settlement). You have ticked ‘yes’, thereby requesting a one-month postponement in proceedings in order that a settlement may be reached by way of negotiation. I do believe that litigation should always be a last resort and would of course be happy to settle this matter without the need for a hearing. Please be advised though, that I am completely confidant in the strength of my claim and believe that your client’s charges could indeed be proved to be unlawful penalties that you are trying to cloak as contractual service charges. For this reason, I will only settle for the full amount of the claim, namely £1977.45 plus £220.00 costs In light of your indication of your intention to negotiate settlement, I will await your communication informing me of how you wish to proceed. I trust this will come within seven days of your receipt of this letter. A copy of this letter will also be sent to the court." Had to adjust some bits but I think it gets all the points across and would show a court I am attempting to negotiate with them.

One is with Hamilton Direct Bank and the other is Yorkshire Bank. The yorkshire bank one is my main concern as that is costing me £65 per month for the insurance. I was stupid/naive when I took out the loan and to be fair they sold it well. However I've become a bit more clued up and would like to cancel it now. Any ideas on the procedure to follow? I don't think I can go down the mis-sold policy road because it wasn't really. I just don't require the service any more. Any Ideas. Thanks for your help everyone.

Cool. Did you get paid in full PJ? I think i'd still like to send one more letter. At least that shows i've done everything in my power to come to a settlement should a judge look at it. Any ideas how I should word it anyone?

I currently have two loans with PPI. Having now discovered that stand-alone insurance is a whole lot cheaper I rang both companies to cancel my PPI. I was told that the only way to do this would be to take out another loan without PPI. I'm not disputing the fact that I was stupid to take out the PPI so therefore am not trying to claim any previous payments back but would just like it cancelled from this point on and the loan term/ monthly repayment reduced. Could anyone tell me if this is possible, worthwhile etc or is it more hassle than it's worth. Thanks in advance everyone

Hi all. Just thought I'd let you all know the stage I'm at as I have become a little bit stuck. Basically a standard claim so far, I claimed, they defended, all the usual stuff that happens. However, when they put in their allocation questionaire they applied for a stay which has been granted so "action is stayed until 7 March 2007" They have previously offered me a settlement of £1386 which i declined as my claim is for £1977 plus £220 court fees. My question is what do I do now? Do I wait for Yorkshire Bank to contact me or do I write to them to try and usher them along? Any help would be gratefully received. Many thanks

Hi all. First time posting on here but have been on MSE for a few months now. I have finally got up the balls to begin the process of reclaiming my bank charges but would like a little guidance. This site is very helpful and gives me most of the info I require but just got a few questions. 1. I'm in the RAF and have just moved to Scotland. I've noticed something in the forums about Scottish law being different. Does this now apply to me and if so, how exactly? 2. As I have just moved I am still in the process of having my address changed by YB. Would it be beneficial to wait until my new address is registered before going ahead with my SAR? Thanks in advance for any help you can all offer. All the best. Sutty

Hi everyone. Thought i'd bite the bullet and start looking into claiming these years of bank charges back. I've not heard of many people failing so fingers crossed and wish me luck.