thanks for your reply dx100uk. We may already have that filed away, we've had numerous family crises to contend with....and now this letter before we've had a chance to look at anything else.
A review of past fees and charges, and you are entitled to a refund. The amount is about a few hundred. I believe my relative had a massively unfair relationship with them.
Curious if anyone else has got this letter recently and what it means...annd what you've done about it.