Phoned up MCOL and they told me I don't have to write to them, they can discontinue court proceedings from a verbal instruction to them. All done & dusted, cheque deposited, fairly easy process all round really. Good luck to everybody else. I suggest that anybody new reading this makes sure they read as much as possible on this site, as you will see by reading through this thread that sometimes answers are hard to get.

Just received a letter from RBS with a cheque for the full amount of charges claimed and the court cost, a total of £940.00. The letter basically says that the RBS believe that the claim has no reasonable grounds or cause of action against the bank, however it is not commercially viable or cost effective to defend the claim. Payment made with no admission of liability and my agreement not to court publicity or disclose or refer any third party and to keep the terms of settlement strictly private (oops!) I also have to write to the court confirming that I will be discontinuing proceedings. Great news considering I only received the acknowledgement of service last week saying they were going to defend the claim.

Notice of Acknowledgement of Service dated 16/8/06 received. With intent to defend all of the claim.

Okay, since I never got an answer to the previous question I have gone ahead and filed the claim online today for £860.00 Wish me luck.

Just read the note about people making mistakes and one of them is "issuing a court claim without trying to enter into a dialogue first" now i am just about to issue a court claim and I have read through the faq's and especially the step by step guide and can not find anything about "entering dialogue" can anybody point me in the right direction to a relevant thread? Thanks

Sorry about that, its just that I never got a reply so I thought i would post it under a different title. Won't do it again. Thanks for the reply will start court proceedings on wednesday then as thats when the 14 days are up from when I sent the LBA.

Hope somebody can help me here, I have looked through the forums and FAQ's before I get shouted at but i can't find any reference to this query. As you can see from my other post I sent the LBA when I didn't get a reply from my prelim letter, but I did get a reply the day after I sent it! It was a basic "thank you but we must differ and will not be refunding any charges" 3 Days later later I received a follow up letter to the LBA saying " I am sorry you have not received the letter sent by my colleague etc etc" with a copy of the first letter they sent back to me enclosed. The beginning of the LBA letter says "I am very disappointed that you have failed to respond to my letter of the xxxx" Now the question is do I have to send the LBA letter again without the above sentence in it or do I just proceed to taking court action after the 14 days is up?

Hope somebody can help me here, I have looked through the forums and FAQ's before I get shouted at but i can't find any reference to this query. As you can see from my previous post I sent the LBA when I didn't get a reply from my prelim letter, but I did get a reply the day after I sent it! It was a basic "thank you but we must differ and will not be refunding any charges" 3 Days later later I received a follow up letter to the LBA saying " I am sorry you have not received the letter sent by my colleague etc etc" with a copy of the first letter they sent back to me enclosed. The beginning of the LBA letter says "I am very disappointed that you have failed to respond to my letter of the xxxx" Now the question is do I have to send the LBA letter again without the above sentence in it or do I just proceed to taking court action after the 14 days is up?

Ok thanks, well not had any reply after the preliminary letter, so now going to send LBA. £860 Owed

Hi, I am just about to send the preliminary letter to Virgin One which is part of the RBS group. I just want to make sure that it makes no difference with the Virgin One Account that I can still claim back these charges? (£860.00) I am going to send the letter to : Virgin One Woodland Place Pinetrees Road Norwich NR7 9EJ If anybody knows any different I would greatly appreciate any advise, otherwise it is being sent recorded delivery tomorrow! Cheers