Claire,(posted 8434 days ago)First let me say that it's OK and don't be frightened. The majority of the people who contribute to this site felt exactly the same way when we were first contacted by our ex-lenders. I was absolutely horrified! Both Lee and Pendle are good people and their advice is spot on. Read this site from top to bottom a couple of times and give yourself a couple of days to let it all sink in and make sense. After this you should start feeling a little better. Write your letter as pendle suggests and send it off. From the reply you should be able to work out the direction you need to go based upon the information here on this site. Any questions just ask as we are all in the same boat and will help where we can and give you the support and encouragement that you need.
Good Luck
Regards Tim