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@Really: thank you so much for giving your "analysis" on my situation, i totally get your point, as i've looked into it already. @egrace62: thank you very much as well, for the suggestions. that's exactly what my hubby and I were contemplating on. it's actually and intention to reject letter...

Hi, No, they did not. I don't know about the others though.

Hi everyone (especially solokru and angeleye, egrace, all the CSQ wiz here ) I really need your advise. I've been visiting this forum for some time now. I am in the same situation above [just found out this morning :-( ] I was just wondering what you guys did or submitted for the appeal or...