Don't mess about any longer. Fill in the N1 form (attached) - send a copy to your bank and Ntl giving them 14 days to refund the money between them or you'll file with the courts.
If they don't pay up send it to your local county court and wait for them to do their business - there is more info on the process here:
http://www.hmcourts-service.gov.uk/H...t_forms_id=338
You should get a pretty fast responce once they see the N1 form.
