Response to time clock starts from?

Phew! Some very full answers above. I'd only like to add for the sake of clarity that when Just ask refers to the place where you can find out the exact conditions that determine when the cause accrues (ie, when the lender first has the option of calling in the whole debt), (s)he says it's the mortgage deed - I'm not sure this is the same document as the mortgage terms and conditions, but it was certainly the t&c I needed to look at to find this info in my case. hth

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