Mr. John Trethowan:

We have seen the letters and also the reference to the Credit Review Office. I learned very early on in the process. In one appeal we upheld the bank's decision. The appeal ran to about five pages describing how this could be turned into a bankable deal. We rang the person a few weeks later to ask why he had not taken any action. He replied that he had not read the letter past the top line where it stated the appeal had been refused.