not yet. I will post once I receive it. Thanks for your support Bank Fodder. Regards BB

Hello Team, I would like to thank you all for your wonderful contributions and support towards resolving this matter. Special appreciation to Bank Fodder for being a rock!. Santander have refunded the full amount + Court Fees and the comp they proposed. All of this was completed last week. apologies for not reporting here sooner. Thank you all once again, I am grateful. Regards BB

OK. Will include that. thank you

Secondly, your offer of £100 apparently to compensate me for having to do without my money and having to chase you in this way for such a long time is derisory and the answer is no. "If you are looking to settle out of court before the 11th I would advise that you propose a reasonable and fair compensation" What are your thoughts on including the sentence in bold?

The hearing is a "Face to Face hearing" of the claim. I am looking to put this behind me and move on. They have proposed to refund the full amount seized, pay court fees and include some comp. If we can come to an agreement on what is fair comp then I am OK to close this chapter and move on. I am juggling a few things at the moment hence the reason for delays in me responding but I have been committed to this from the outset.

They mentioned in an email previously sent that they've sent me a cheque in the post although I havent received it yet.

Hi Bank Fodder, The have offered to return the money seized initially . We are due in court on the 11th of Jan and if this can be avoided then I am fine. I calculated interest using Compound Interest spreadsheet I found on here and it came to about £1.3k @ 18.9%, if they can up their comp I think that would be a good offer.

Hello BankFodder/ Team, Happy New Year to you. I have recently received an offer to pay court/filing fees, original amount, and £100 goodwill gesture from the bank and I am inclined to take it if they can improve on the compensation.

Hello Bank Fodder, I didn't hear anything back from Santander. I sent the last letter to the NCA on Thursday the 16th. Thanks BB

Hello BankFodder, Thank you for the support. I dont have it in writing from any employee of the bank that the money should not be withheld, although one of the bank clerks told me quite early on to go to court and challenge the seizure as the bank is wont to behave like this. I have paid the court fees and will proceed with the letter to the NCA if i dont hear from the bank by the end of the week. thanks BB

Thank you for the letter BankFodder. I will send it to them.

It does have "Without Prejudice & Subject to Contract" in the heading

Hello BankFodder, The letter/offer was sent via email. I dont have a hard copy. regards BB

Thanks for your support BankFodder. Please go ahead and prepare the draft response. regards BB

Hi BankFodder/Team, The bank has made an offer to settle, with a confidentiality clause included. Amount held + initial case filing fees. I have not paid the court fees yet. They have given 7 days to accept. No mention of compensation or interest in the offer.