ax, Thanks for the link. I have saved it for future reference, as it may go to court. I am hoping for a settlement though. Like you I will accept a reasonable offer, a few hundred less than the £1360 I am claiming. We shall wait and see, although it seems to have gone quiet. I suppose they have got so many to deal with it all takes a while - it must be somewhere in the process. Good luck with yours - let me know on amy progress. Keep plodding on. Jason

Anyone, It's been a month since receiving Shabby's defence and I have not received anything further. How long does it usually take for the court allocation questionaire to come through? Should I chase the court up or wait to receive further details? Cheers Jason

Let's all hope we have the same outcome!!!!!!!Nice one Scotty

Hello again, Thanks for your advice. I will await the next step and let you know what happens. I am only owed £1360, so I am hoping they won't go to court. If I get a GOW I will accept it as part payment and continue until I am repaid what I am owed. Thanks once again. Will let you know on progress. Will you do the same. Cheers, Jason

Thanks for your quick response Jakebear. I have written to Abbey on 3 occasions using the templates from this site. Eventually, after an unsatisfactory response I decided to take court action. I completed the application on Money Claim Online and at the momernt we are in the defence stage where Abbey have sent me a copy of their defence, denying all liability. Is this scare tactics and should I pursue to the end. If I do lose will I have to pay their costs? Thanks for the advice. Jason

I have just received a defence from Abbey, stating that they do not admit any liability. They have also disagreed the amount of the claim and are asking for proof to be provided. I have my bank statements for the last 6 years anyway so I am not too worried about that. However, what is the next step and should I still pursue? If I do pursue and lose am I liable to all court/Abbey costs? Is it possible to lose? Any help would be appreciated. Thanks Jason :confused: