Charlie, contact me if you need further information. I've a 'file' on the 6/12 year 'rule', including relevant correspondence with lenders, and case law. (With a special interest in Abbey, as it happens.) Incidentally, the voluntary Mortgage Code is abused by lenders constantly, and the Financial Services Authority admiited to knowing this to the Treasury Committee (a powerful parliamenty committee) just a couple of months ago. 'Be careful out there'. Good luck, Eleanor.(posted 8679 days ago)