Thanks! The heading is in fact bold and underlined in the actual document - it's just not copied across the formatting. But you're right to point it out. On your other point, I deliberately avoided asking for an assessment in this letter as I want to keep it a single issue, and that is to get them to agree a point of principle. If they do this, then I am in a position to ask for an assessment of citibank again in view of the new principle. I'm posting it in the morning...(posted 8137 days ago)