Thanks for the replies - you've given me the confidence to tell them to stuff the 'offer' and request full amount. Will let you know the outcome.

I am in the fortunate position that I had all my statements for the last 5 years, so didn't have to go through the first process that so many of you are having hassles with. I wrote to Clydesdale (Neil McKirdy, customer relations manager) on 1 August detailing all the charges, and reasons behind them, and received a letter today, dated 14 August, with a cheque attached. A lot of blurb on it, and legal jargon, but basically he says that, if I cash this cheque, it is in full and final settlement of my claim, and it is 'tendered without admission of liability'. Unfortunately, the cheque is only for half of my claim! Should I threaten further action, or cash the cheque, wite back to him saying 'thank you for the first instalment'. My claim was for £498, he's sent a cheque for £249. I know a couple of people are in similar situations, as I've read their threads, but can't remember who it was - sorry! Any advice or help would be appreciated - do I cut and run, or hold out for more?

Hi, this is my first post - am glad I found this site, and your post. I received an identical letter from Clydesdale today, and was wondering whether to give up or not, but reading further, will definitely be taking it further. I have only been dealing with the branch until now (they ignored my first request for refund of £547) so feel I will redo the letters to head office (seen a few names kicking about for contacts). Will read no with interrest. Thanks!