I am with Anthony Joyce Solicitors, proceeedings have been issued on the bank but they have not responded and no cases have been heard in court yet, the intention is to push forward the most emotive ones to form a precendent and then settle on the rest. I sought advice from several solicitors before deciding what to do. I decided against going to the appeals panel as my life was made hell by that bank for years and I did not trust an 'independent' panel chosen by them, looking at the figures on the amount of unsuccessful appeals I am glad I didn't. The bank has already admitted liabilty so it is not a question of proving thier liability it is a question of showing that the compensation they offered was insufficient, I don't think this will be difficult. The solictors will recover thier fees from the bank, yes the process is long but I am happy to wait to get what is deserved.