Hi JoolieYou MUST appeal. I know it is very hard and exhausting but we must not let them walk all over us. As I told you before, it took me 4 years to get my pension from the NHS - they refused me twice and I appealed twice - eventually I got it. I was determined to go to the Pensions Ombudsman if I had to, but fortunately I did not need to go that far. You must take your appeal as high as you can.Keep us posted.Judith