Yes - I've definitely been told the 12 years is a 'rolling' period too...and have been living under the assumption that I will NEVER be able to own my home as effectively they only have to write 3 more letters at 12 year intervals to keep their end of the bargain. So PLEASE somebody with in-depth legal knowledge explain how and why if this is wrong. I can't now remember where I first heard this one, but it certainly convinced me at the time (and still does).(posted 8220 days ago)