No I didn't have a specific thread. Just read other threads and used the templates. Well worth a donation.

MBNA refund of £15,500. Claim took one month and included £12,000 interest. Thanks guys .

Thanks all for your useful advice and comments.

Intree , have there been any further developments?

We received our renewal notice for our house and contents insurance and of course it has gone up in price. Looking through the schedule we noticed that the house is insured for £400k. As the value of the house is about half that we thought we could save money by reducing it to a more reasonable level of say £250k. We phoned the the insurance company R.S.A. who run the scheme for the West Brom. only to be told that £400k was the min. sum insured that they would cover. It seems to us that this is a bit of a [problem] to obtain more premium/commission. Does anybody have any thoughts or observations on this matter ?