thanks for the support, as advised im going to sed off a lba (asper the librarys template) tomorrow. do you think it is advisable to inc in the letter that i would also be claiming interest as well as my court costs should they not make the full offer,forcing me to proceed to county court?

thats good advice, goodluck to you too!

Some people in their threads mention that they call the bank, is this worthwhle. the the partial offer letter i received it gives a telephone number to call to discuss the matter and the letter is apparently from a gaynor mills - customer relations manager.

brilliant, thanks for your reply. ive read all the courts info so far but im sure i will run into problems and need your advice.

very new to the site so if i annoy anyone sorry, had a read of all the step by step stuff and the FAQs but still got some Q's i originally set out to claim from watching a BBC money prog and used their template letter. i wrote to barclays and got all my statements. total charges came to £1335 so put ll this in the BBc letter an sent it off got a lette outlining the compalint process, saying it could take 8 weeks, but 4 days later i got a letter offering £700 as full and final settlement. in the orig letter i didnt inc a schedule of charges and didnt mention interest. have i messed up my claim already? or should i inc a scheduleof charges in my decline letter?