Dear Steve,(posted 8538 days ago)I had an experience similar to your wife's(for details, read 'Stitched up a treat by the Bradford and Bingley' further down the page).
In my opinion, you should read - and act upon - the advice given in this website. I only wish that I'd discovered HRP years ago! It would be very interesting to discover their excuse for actively creating a shortfall of £10,000 plus, so please keep the site posted as to your progress.
Good luck and very best wishes. Catherine.