i need help in Welcome to the Consumer Forums Posted November 7, 2006 Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! There's no quick route - you must take your time to study the information required to take on your bank and win - if you do it properly.