hi chris thanx a lot for replying to my problem you dont know what a relief it is to hear few comfortable words. i now i am a bit ahead but can you tell me if i want to settle with teh for a full and final settlement do i have to send them back income and expenditure form because i dont want to do that i have already send them a SARN following the advice on this site. Before going ahead do i need to contact a solicitor or anyone else. and yes they are part of council of mortgage lenders.(posted 7921 days ago)Once again thanx for your reply and friends any more advice will be greatly appreciated and will be a great favour .