I wouldn't use that adjective - ask for what you are due, no more and no less! Other than that will be read as weakness. You have the great advantage of knowing the banks current policy, so don't give them the counter advantage of knowing that you're not fully decided. Remember, you are just a minor irritation to them, and the very last thing they want is the publicity. Stick the court papers on them at the earliest possible moment. As long as you do your homework, as others have, it will pan out OK. It's a well-worn path, with plenty of help on the net. Life is nothing but risk, however this one scores rather low.