Hi angry banker,
I myself am at exactly the same stage as you with the Woolwich.
Today I received a reply from Michele Wallis explaining they hope to resolve the matter by 9th October 2006.
I sent the Woolwich my initial request for charges to be refunded on 6th September, which they acknowledge recieving on 11th September, however I'll be sending them the
letter before action
on the 25th September - as per my letter said I would.
Don't want them thinking for one second I'm not seriously persuing this!
Of course the 9th October is 28 days from them receiving the letter.
Anyhow, like to follow your case and compare how yours and mine goes.