UPDATE(posted 7154 days ago)I wrote to the S&S asking them what terms and conditions of the mortgage code they were following - in reply to their letter stating they felt they had "been more than fair" and ten days later have received no written reply, but had a telephone call asking for a copy of the mortgage offer and a letter from my solicitor with an anticipated completion date... hopefully they are now 'considering the options' especially as I have proved that a 2 bed repossessed property in the next street to mine (the property backs onto mine) went for £75,000 recently.