THE SIMPLE ANSWER IS YOU DON'T NEED ONE!I CLEARED MY MORTGAGE WITH NEGATIVE EQUITY VERY EASILY WITH MY OWN LETTER.I RECEIVED VERY LIMITED INFORMATION FREE OF CHARGE FROM A LOCAL SOLICITOR,PROBABLY NOT ALL ARE SO OBLIGING!THE LENDER CONCERNED WAS LLOYDSTSB AND I WAS ABLE TO CONTINUE MY ENDOWMENT PAYMENTS WHICH IS NO LONGER ASSIGNED TO THEM,SO AT LEAST I WILL RECEIVE SOME REWARD EVENTUALLY,AS LONG AS I MAINTAIN THE MONTHLY PAYMENTS.I HOPE THIS IS HELPFUL,MAYBE TOO LATE!(posted 7406 days ago)