hen I will be in a position to send you the proposed wording. In the meantime, on a personal note, I apologise for the hurt caused. EFTA00578505 Paul Murphy Financial Editor EFTA00578506

a refund. Surely you understand that now simply stating 'the refund wasn't approved' is not an option I can accept. On Oct 12, 2011. at 1 1:37 AM. Paul Murphy wrote: Hi M, The decision was made several levels above me to not require monthly minimum fees in excess of the deposit you've already placed, but