Response to Experto Credite and Royal and Sun Alliance and Halifax

Frightened. To help yourself, I suggest you put some more detail on the site so that I and others can give you some thoughts and guidance. I think it would be best to start another Q&A so that you can get replies to your specific circumstances. I believe that most people that reply would confirm that they are not experts; but do have a whole load of useful help to offer. This means that you must THOROUGHLY read through all other parts of the home- repo site. I have found it excellent and a great comfort. You may then need to take some legal advice. George

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