-----Original Message----- From: Thomas, David [mailto:David.Thomasfinancial-ombudsman.org.uk] Sent: 22 September 2005 09:28 To: enquiriesifadu.co.uk Subject: Your e-mail of 15 September 2005

Dear Mr Owen

Your e-mail of 15 September 2005 has been passed to me, as Walter Merricks is abroad. The Financial Ombudsman Service will deal appropriately with the forthcoming second communication to which you refer. Until we see its contents, we cannot say what action (if any) will be appropriate.

Yours sincerely

David Thomas corporate director and principal ombudsman Financial Ombudsman Service

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