Hi There ALL !! I am in dispute with woolwich. for 2 months now... the problem is that I always believed that my mortgage maturation date was 2008 when I reach 60 and plan to release equity for penison purposes. I had an appointment with a financial advisor for the 4th July and just called Woolwich on 3rd July to confirm that my maturation date was on target for April 2008. Imagine my shock when they told me that I had requested a term change to 11 years( not the agreed and signed mortgage offer of 10 years and 89.9% mortgage.. I have religously kept all data and documents statements etc from inception to the present date and I have no recollection of requesting any changes ...I did not need to request such life altering changes, as I had not got any money probs and was/am in a good job..psychaitric nurse so why would I.. and if I had then I would have safely put away with all othere mortgage documentation the said agreement signed by myself and I imagine also the Woolwich.. I got multiple letters together with loads of anomalies therin etc »» but then I sent a letter asking them to provide me with ALL the relevant documents that I allegedly signed agree to a term change and the coreesponding reduced payments .. that was dated 27 July 06 and got reply on 2 august a bog standard we need another 10 days to explore the issues raissed in your letter-- All I wanted was proof of that I did request the changes and to my mind that would just entail sending me a photcopy of all the relevant documents ..I have not heard from them since.. I also sent further letesr to head of the customer relationship department in mortgage servicing in Leeds and also to head of customer services in Bexleyheath Kent.. and guess what no replies altho only sent the kent letter on 30/8/06.. The result is that my overall well being has been compromised requiring medical intervention.. comments would be welcomed .. I am determined to see this through to the end even go on watchdog when it returns to the BBC in october but hey from what I hear the financial ombudsman is nearly always on the side of the big institution and not the financially challenged individidual ..