I haven't posted to the site before but have been working against 5 banks on my own (thanks to advice from yours and Martin Lewis's site) and have reclaimed £5167 out of a possible £5926. HSBC was the largest at £3400 (claimed £4016 but decided to settle before court) £1240 - Capital One - took this to court and they settled before they had to file a defence, and £480 (out of £580) Lloyds TSB. I am currently dealing with the trickiest customer - Citicards who have rejected my claim and filed a defence offering me £246 out of £1200 ish. I am going to issue an Allocation Questionaire and have been looking at your site for assistance. I think I understand Section G now thanks to your Draft Directions suggestion and will be sending this off today. Watch this space - I think I heard that CitiCards are the more difficult one to crack. I have also had offers from Barclaycard but have rejected them and given them 14 days to come up with a better offer or they will be receiving a court letter. Thanks