My husband went to court this morning, accompanied by my Mum ( as I couldn't make it ) They sent someone from a local firm of solicitors. The hearing was a 10.30. The solicitor turned up at 10.20 and asked my Mum what the case was about, as he had only just received all the stuff and hadn't had chance to read it. Anyway the long and the short of it is, it has been adjorned, and my husband is going to submit a bundle and a statement etc. We didn't do this before as the papers received from the court didn't say we had to and when we phoned the court, they said that we didn't need to. Apparently the judge said Citi had compelling arguements, and as they have already refunded the difference between the £12 and the £25 charge, the judge warned my husband that to go after the full charge( ie the £12 that has not yet been refunded ) might be costly to my husband ( I thought that the most you could loose in the small claims court was the court fee !!!! not any costs for the other side ). My Mum said that although they had refunded the difference, no mention or consideration had been given to the interest that had been applied to those refunded charges. The judge then said that we probably had a case for that. The judge said that having read the defence and skeleton arguement from Citi there was too much information to deal with this case in the 20 minutes allocated. The judge ordered that the case be adjorned and that my husband submit a witness statement by the end of May, and that a hearing be set for the 1st available date after a certain date in July ( a cooling off period ) and that half a day be allocated. Any advice would be appreciated.