Thank you, everyone for your opinions and advice. I have thought long and hard about this and have decided to settle, much as it goes against the grain.Mine was the typical case flat sold for £55,000 in 1991 even though they advised me to hand the keys in the year before when their valuation was £70,000,accrual of nearly £30,000 in interest charges,non specific extras etc, and not one document to show !! Then came the harrassment nine years later,phone calls to my girlfiend's house,lies about how I had to provide I&E details and that I was making things worse for myself by seeking advice.One thing that did keep them in check though, was sending letters to Abbey with my complaints about their behaviour and eventually complaining to the Office of Supervision of Solicitors. I wish I was the one brave enough to stand up to their "blackmailing" tactics as Eleanor rightly puts it,but it has all had an awful toll on my physical and mental health and affected those close to me. Thank You again.Tim(posted 8344 days ago)ps I typed in my e-mail address incorrectly the first time.