Hi, 1st time been in this kind of situation and am seeking some advice as to where I might stand... In Feb 2012 my mortgage went from fixed rate to standard variable. I knew it was going to go down as my fixed rate was more than the SVR. I received an official note from my lender telling what my new payment was going to be, it was actually less than I thought and, as I was in a management position that i hated (and was making me ill) I saw the opportunity to stand down and take a lesser role within the same organisation (proved to be a good move health wise!). The 1st payment on th