Can you tell me why participants have to use such stupid language - what is wrong with good Engish -so many silly abbreviations, commas, apostrophies [is that right] - it all seems so juvenile. Perhaps I am just a crotchety old dear. Love to everybody.

Hi I didn't take A&L to court I went through the Ombudsman. That was very interesting. I feel you must make sure you use the word complain in your first letter - then eventually when they realise you are not happy!!!! they should tell you about the Ombudsman and send you a leaflet. I only found this out by a roundabout way from info my husband was given via the courts [he's claiming from Barclays]. I wrote to Ombudsman - more form filling - they wrote to A&L - A&L wrote to me said they would look into it - Hey Presto - a cheque for £1030. I only asked for £450 - so who's laughing. Hubby went the whole way with Barclays - at the last moment they offered the whole amount in f&f settlement - £4500.