Alison, Thank-you for the advice. I think I will direct my solicitor to this site and have a word with him get things ready as soon as we have paid the rdemtion penalty. I will check out the other threads you suggested though. Thanks again.

I have been reading the threads regarding B & W with great interest. I am about to move after two years and a few months with Bristol & West. Unfortunately I am going to be hit with a £5000 Early Redeption penalty charge. This is our first house as we are living in a 1 bedroom flat at the moment and its driving us both mad with the lack of space. We could really do with the £5000 they are trying to take from us for furniture and its such a lot of money to lose. Is there any way I can avoid paying this money before everything goes so far down the line that I will have to pay and look at trying to get it back at a later stage.? (Obviously without me getting blacklisted forever more!) I am prepared to claim at a later stage if I have to if necessary but if I can avoid having to pay it in the first place that has obviously got to be better. Please help I am meant to be moving at the end of Jan 07 and all I want to do at the moment is cry at the thought of the amount of money I will be losing. Thanks xx