Mordicai: Very smart post...I agree the only way we will ever get anything is by forcing them to reply & then get them on the hook... the other approach is we will get screwed.
We are dealing with the most crooked enterprises in financial world & we still believe they will say here you have been nice after 13 years here is your money... NO WAY.
The only way is through action = litigation so we shed some light into all the darkness around us.