Hollyhocks I would think very carefully about spending any time or money on a solicitor, in my experience of the same situation there is very little you can do,in fact the best solicitors advice i was given over two years ago was to make myself bankrupt, seeing as at the time i had assets of over 1 mill i thought no chance! well 1 year of LPA and i am two months from declaring! I have spent a year writing to ceo, MP, FO and all to no avail, however it is not all gloom, think of the worst case scenario and work from there, you need to safeguard all you can, in any legal way possible, fight them with letters etc and delaying tactics but expect nothing from them or the lender, as common sense goes straight out the window. I am sorry this is not what you want to hear but planning from the worst case scenario is the best way forward.

Yes my deal is with nat west, the Tomlinson report is very interesting . The best piece of this is the report is the investigation by FCA hopefully they find malpractice and claims can be made against the banksters the

Hi Stevylynd Have you got any update on the situation,I find myself with exactly the same as yourself down to the 5year deal agreement which was confirmed would be extended then due to the BANK CRISIS A formal demand for repayment with zero possibility of refinance and now lpa agents appointed ( I also have no arrears and all payments met)