Thanks for the reply.

1. Should I ask for transcripts of telephone conversations, etc?

2. I am awaiting their settlement figure (including charges) in writing at the moment.

3. Can't remember anything about a 'Demands and Needs' statement.

4. Is the disproportionate rebate of £500 on the PPI due to penalties then?

I'm definitely going to dispute both the PPI and the redemption figures. If it wasn't for the fact the settlement figure they quoted hasn't reduced since last Oct, I might have not pursued but as their figure makes selling my property almost impossible now, I'm definitely angry enough to go for it.

Thanks again for your help.

Andy.