Hi there, I'm at the scary court stage. So far it has been ok. I'm claiming for nearly £3,000 and have split it for each year claiming (under £750) and have had to split 2005 into two parts. That would mean 5 claims at the small claims court. Having read a few comments i'm worried that thisd will get thrown out or I'll only be able to claim once. Any advice. My bank (BOS) did offer me £800 as a gesture of good will. I didn't take it but am starting to wish I did. I need some moral support and expert advice. PLease help!

Cheers for that. I'm just new to this.

Excuse my ignorance but what is an LBA?

Hi everyone out there, I'm new to this and I was wondering if anyone could give me a general overview of how this all works. I live in Scotland and bank with HBOS. Also was wondering how often you end up in court and what the banks can do if you get to court.