follow this up. A few year back in the economic bust when some solicitors were using the deeds of clients to remortgage their homes I decided to contact my mortgage lender to see did they have my deeds. Because my direct debit was paid each month they were not bothered to chase up my solicitor until I kicked up. I was 10 years into the mortgage and they final paper work was not done by the solicitor and the bank had never followed up their own letters to him.