I agree with above,it is significant that davis and co are in the same building as First national bank and always act for FNB who are not a nice company to deal with when in trouble.Owned by?................you guessed it Abbey National.One can but wonder if they have a fiscal link to Davis as well!The Abbey HAVE TO follow the mortgage code of conduct rules and thats final re 6 year rules(posted 8288 days ago)