Hi Gavin77, we are currently going through appeal with KBC. Its a slow burner. I lodged appeal in Oct 18. They ticked all the boxes following all there own procedures, responding within time frames etc, then the came back looking for additional information i.e copies of all borrowings during impacted period, copies of farm accounts for impacted period, household budget for impacted period, P60s and contracts of employment during impacted years. Our financial adviser said that this is only the start of a long process. We got a letter dated March 4th 2019 from BDO that the panel are looking at our claim and they will contact us with a further update as soon as possible. I think they are trying to break our spirits in the hope we will give up.