Sandra this is also the exact letter I received after my appeal was unsuccessful. Word for word, apart from a different name. It's very maddening. Ill go to FSO next but have to admit I don't know how much power they hold over the banks, despite what Ger Deering said on Prime Time a few weeks back. The CAP and PTSB disgust me, feel like I've been made a fool of to have even bothered sending the CAP my appeal.