Hello I too have had one these letters that just seem to be trying to confuse you and hope you won't respond! typical in The Request for further informaiton part, paragraph 3 states In your claim you state that the charges are "an unfair penalty under the unfair terms in consumer contracts regulations 1999" Please specify all of the facts relied on by the claimant in support of the contentions in paragraph 3 and in particular please identify the regulation under the unfair terms in consumer contract regulations 1999 ("the regulations") relied upon by the claimant in alleging that the contractual provision(s) referred to are unenforceable. do i actually need to answer that! or do i just put what you have suggested. Thanks for your help