It all stared on 27 Feb 2012, I sent Santander a letter of appropriation and gave them 2 weeks for a reply.

This quickly passed by so I sent them another letter on 12 March 2012, they have had a further 16 days and I have heard nothing from them, not even a letter acknowledging receipt...

A male friend who is a good friend of the family came to visit today.

He is dyslexic and has no use of the internet, so I did say I will see what I could do to help.

He will not mind me giving his first name, and he is Andy.

Anyways, he called into Lloyds TSB bank...