[banjoman]

Err what was the letter about ? If it was would you like a new credit card fair enough, but if it was something to do with clearing up an account, or something the bank had unearthed and didnt know who else to send it to ?

I dont mean this to sound insensitive, but if the letter was "hello, we`ve found out we owe you a million quid, would you like cash or cheque" I doubt we`d be having this conversation