I've recommended so many of my friends to FF. I enjoy the fact that there are no shareholders and their customers receive all the profits. I enjoyed receiving the M&S gift card when I joined and the food hamper too. I always found your staff to be very friendly and knowledgeable. However, the reason for giving four stars is that you offered customers a £40 gift card if they topped up their account with £1,500 prior to 9th October. I paid £1,500 in two payments prior to your cut off date and was told that I'd only receive a £25 gift card! I complained that I found your letter regarding the offer to be ambiguous. Apart from that, I am happy being a FF customer.