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Thanks very much everyone, and Kevin most recently. Kevin said; "You should speak to your money adviser about applying for a variation". I would do th...

Thanks fcwalker and TDA. An important question might be; At the commencement of the DAS all interest and charges were frozen. Therefore, is the banks...

Me too. Thanks for your comments.

Thanks for the comments - the more views that I can hear, the better informed I will be I guess as I am trying to interpret what the legal position is...

Thanks Mark - is there a question of process here. I would like to know how that process will operate. So RBS says we will offset however they know wh...

Thanks - will wait to hear other advice.