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It's a joint mortgage
Thank you. I understand, but still feel very aggrieved about the fact that it took ten days to reply to an important email and the fact that they are charging us double costs which we cannot afford. This delay in replying to us meant that we were away when the letter reply email arrived and it meant that this prevented us in paying the amount at the date they requested. Also the fact that my memory is not good was the reason the payments fell behind and it took them three months to remind us of this fact.C'est la vie. I still intend to write to them and make my point even though I know it won;t get me anywhere Thank you once again