Hi Pete !(posted 8593 days ago)You are in a strong position - there's no need to even contemplate (b)- it shouldn't even go to court if your lender is half decent !
Remind them that if they cannot achieve any more than your offering, i.e. arrears paid off (or rely on the Norgan v Cheltenham & Gloucester 1995 Court of Appeal ruling - see posting lower down the list)the n you will seek an order for costs - the court is the arena of last resort !
I have also mailed you privately.
Good luck - Vic