But I have decided that I will now only comment on things that actually involve me. I really do hope that everthing goes as planned. So like my mother once said "if you dont have anything constructive to say" lol.

It just came as a shock and yes i did over react so no more trouble from me lol white flag out.

well got answer at last letter sent to Santander(this week) saying they have 2 weeks to ask for how much they want, then closure can start so 6 months from then plus the 8-10 weeks for final accounting till I get finally free I think that will be feb 2016 I get me form 5? then am I free from all obligations or does this still carry on till trustee decides when to discharge themselves?