I sent off a request for my statements for the last 6 years about 2 weeks ago. About a week ago, i recieved a standard "Thank you for your complaint, we're looking into it" letter. Funny, i thought. I hadn't complained about anything. And today a handwritten letter from mbna arrived on my doormat with a cheque for £180 and a compliment slip. No letter or anything, just a cheque. I phoned them up and asked where my statements were and why there was a cheque for £180 in my hands. They said "refunds on some charges". She didn't seem to know what to do when i told her i haven't requested anything. How odd. Am I the first person to get a refund without actually asking for anything? I've still requested the statements and i'll go through and see how much they actually owe me, but i've got to request them again apparently....ODD?

I sent the bailiffs in to RBS last month, all they did was apply to the court to have the default judgment to be set aside, stating that they 'believe they have a good chance to successfully defend the case'. And that was it. Everything went back to the submission of a defence stage. It's a complete joke that they can set aside after a judgment, it really annoyed me. Why bother having a default judgment if they can just over rule it? I'd certainly give the courts a ring as they may have already applied to set it aside. I would also phone up which ever branch you've issued the bailiffs to and tell them about the warrent of execution, that put the sh*ts up them when i called them.

Despite them filing a defence, i recieved a cheque for the full amount today! I have no idea why they didn't take it to the allocation questionnaire. Weird! Cheers for your help. Donation on it's way when the cheque clears.

Well today was the final day of the 7 days they said it would take for the cheque to arrive......it didn't....what did arrive however was a fat envelope from the courts with cobbetts (*SPIT*) putting in an application to have it set aside along with a request under CPR18 ....absolute sh*ts!!! However, they seem to have submitted it with a little haste as they forgot to include some of the template fields.....eg... As well as the date of the letter..hmmm... They're also asking for the usual schedule of charges even though i've stated in my particulars of claim that i've submitted it to them. Will someone chuck this out of court because of this? Probably not, i know.... I phoned the branch that said they would send the cheque out and told them i hadn't received it yet, keeping shtum about the set aside and they said that the cheque is at some main branch somewhere and will be sent out today. Does anyone know what would happen if i receive the cheque and cash it with all this going on? Can i just phone cobbetts up and tell them to kiss my a*se then cancel the claim??

I just phoned the branch that i issued against. I'm wondering if, because i haven't heard anything from them,they just ignored all the court stuff and now they're trying to cover it up from head office or something.

Well well well. Phoned them up and told them about the bailiffs, person on the other end went a bit weird and they said they'll get back to us shortly. They phoned back shortly and said they're writing a cheque now for the full amount (£4031) and it'll be with us within 7 days. I'll let you know when / if it arrives.

"Your warrant request has been accepted. The warrant has now been sent to the bailiff at the appropriate court for action." yaayyy. Can they still apply to have it set aside though? Is this just another stalling tactic by them?

Thanks, Yeah, i got all the bumf from the court but never heard a thing from RBS. I've issued the warrant at 9:45 this morning. Time will tell now...

Thanks for the reply. I'll start it off straight away. I haven't had any kind of acknowledgement from anyone though, i don't think. Certainly nothing that mentions Cobbetts. does that mean anything???

HI all, I'm currently pursuing 4K from RBS. I've done all the prelim stuff and submitted my claim to moneyclaim. They never responded to anything i, or the court sent (apart from a poxy 250 quid offer) so obviously i have a default judgment now. In fact i've had one since the 1st august and i still haven't heard from their solicitors to set it aside. How long should i wait before i start the warrant of execution? cheers, john