Hi Oscar71, I agree with unclebulgaria, I feel its always better to write your own letter of complaint as that way you get the personal points across, there really is no point in relying on template letters as it just makes you look like a scratter that has no idea what they are doing. I had a complaint with lowell a while back over a debt that they were pushing through court and I found by speaking (well I mean streching the truth) with their complaint resolution manager called james that the court proceedings stopped, it might be worth your while giving it a go.