This company are truly deserving of the title tin-pot shower. My partner had a full and final settlement of an secured loan confirmed in Feb 2007. She receieved a letter in mid march confirming the the accaount had been settled and closed. In mid may they are holding the land registry docs for our newly re-financed house and refuse to hand over to solicitors until further £3000 is paid to them as result of missing charges that suddenly appear. It seems according to T F C that an arrangement was made at later date. This was certainly not ever mentioned until May. In the meantime, we may soon be in breach of our new mortgage terms and conditions because the outstanding second charge. Ombudsman cannot act until 8 weeks after the conclusion of this extrordinary case.