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Help got to go to court TODAY with RBS

Just realised that I have a court hearing today at 2.pm Didn't ever think it was going to come to this. RBS had made me an offer (the difference between £12 and what they charged) but I decided to go to court the whole lot plus interest. I thought they would just pay up.

Now I dont feel very confident about it as they did make the offer.

Any idea what I should say?
The more I find out the less I know!

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