Thanks, will have a look there. The current plan is to do the 1.5k through the court to completion and when we have the cash, accept the friendly offer of the whole amount from the BOS.... lets see how that works out!

What is going on with banks, LOL! Back story - my wife had an account with Bank of Scotland and one with Halifax. Halifax had approx 1.5k charges, BOS around £600. Asked both for charges back, Halifax didn't reply, BOS said we'll get back to you soon, left BOS on back burner, progressed Halifax, just given the summary cause application into the court (not got it back to serve yet) and planned to do the same to BOS afterwards as a small claim (hoping that they wouldn't be linked as they're kind of different banks ) Offer comes in today for both of them both auth'd by the same customer services guy...... Halifax offers less than £200 of £1.5k claim, BOS offers the whole amount! W T F ? ? ? ! ! !

Thanks for that. To limit the claim from £1569 down to £1500 should I just submit a reduced schedule of charges to the court or do I have to submit it to Halifax first with a new LBA? Or can I use the full schedule of charges with the extra £69 but say in the court paperwork I just want to claim £1500? Thanks!

Gah, I'm in the process of sorting this out for my Wife's two accounts, went to do MCOL and just found out I can't without a dance about and dodgy addresses because we're in Scotland She has an account with BOS and one with Halifax, which I have been dealing with separately (writing to one at Edinburgh and the other in Halifax) - which looks good from the limiting point of view. The claim against Halifax is for £1569 charges plus £275.75 interest. My questions are:- should I randomly remove two of the lines of the summary (a £39 and a £30) to bring the total down to exactly £1500 or should I leave the summary as is but say I want to cap the claim at £1500 ? - if I remove lines do I need to send a new LBA for this to Halifax? Does the £1500 limit include or exclude the interest? ie can I claim the £1500 bank charges plus £260 odd (after taking the two lines out) interest, plus court fees (plus £10 SAR fee ???) or is it just £1500 plus court fees? Fortunately when I do the BOS one (they've said they'll send some sort of reply by the start of March) it's a lot less so I should be able to just use small claims. Thanks!