Hi Avril, The way your 'full and final' settlement reads to me, is that until Jan 2005 your settlement will not be full and final. to be F & F you would have needed to make the full payment agreed with HMC.But to write to you and ask for another 12K is rediculous. Iwould write to them and ask why they have gone back on their Original Agreement.Maybe they were hoping that by now you would have defaulted on your payments and would have been able to claim the full amount(posted 8068 days ago)Goodluck, Daren