Hi Sam, I had the letter you received aswell (I think it's one of their standard issues) I sent them a LETTER before action expressing my disappointment that they had failed to respond positively. I stated that if monies are not refunded within fourteen days then I will initiate court proceedings for the full amount plus interest, plus cost without furhter notice. They test the water and hope that you will give in and go away, however don't!!!! Stick with it and see it through. You will have to apply to the court as they will send you a similar letter after they receive the letter before action. they will even state to the the court that they intend to defend their case, however this is all scare tactic's hoping that you won't see it through. They will pay out and you will not have to go to court. keep at them and don't give up, thats what they want!!!! Good Luck, Louisa
