The dispute is still going on, but not for long now, and thank you Tony, The reason i had to resurrect the problem, is to update the situation! as i felt i needed to do so, to explain to those who did not know of my problems, i had to raise the gripes again, in other words start at the beginning, of course i have been busy, i thought my story may help others that are forced in to anything similar, to my problems, because there is a way to turn everything round, and that more recent, rather hilarious events have shown this. The reason for the long letter is because i used copies of replies from them to tie them in knots, and to keep track of their replies also, i mentioned PPI because if there is one problem, there is always another one plonked on top, to make things worse! there is no need to escalate the problem with a solicitor, incurring more costs! This is what all my letter and telling you guys, was about, I just needed a bit of a boost in confidence, over one point, which i now have, from elsewhere, it is not possible to isolate one point, (which means nothing out of context) The whole lot of 18 pages is relevant, and shows the length people will go to, to avoid paying! i am not prepared to disclose any more on a public forum, that is why i misguidedly hoped for someone, i could trust, to check i had everything technically correct. Obviously from the replies i had, that would not have worked out! Apparently i am seen as suspicious! Something not right etc! That is because no one saw the letter! or the many points made in it! Anyway thank you for your time, It was a huge mistake on my part to ask for advice, i hope none of you guys ever get stung like i did, It does affect your health, but there is a way to fight back, and you do not need a solicitor! I will in this case get more back than they initially owed! Result, Thank you for your time, All the best
DONJAY