Thank you so much for your generous support. The guidance would be welcomed! I collected the relevant forms for a remission today and am busy putting documents together for that. This is going to be a most significant week!!! Heres to justice! Do I make you a 'buddy'? Sorry...I find this thread business alittle difficult to navigate.

I am new to chatting aswell as this legal process but am determined to break through!! I sent letter one and two to A+L, with virtually the same response.. that the law applies to credit cards, not to current a/c charges, currently amounting to £1600. Can someone pls reassure me that the next step is to now issue particulars of claim at the local court? Its so inspiring reading the successful stories and I am doing my best to spread the word of this great work.

i have rcvd a similar message to the second letter ...can some knowledgable and kind soul just confirm that now is the time to file the particulars of claim?...i will need to apply for remission but it was VERY useful having the link on the form to direct to relevant info...thanks!!!

I sent in letter2 concerning A+L current account charges, receiving a response similar to above with slight variation...is it now time to approach the court with particulars of claim? or is there a stage /I have missed?