Hi
thanks for the reply , well actually the problem was with life cover , I had a minor medical problem around the time of the mortage and EBS went into a complete tizzy. The life insurance company said no cover until it was investigated which would have taken upto 6 months.
EBS actually went so far as to say we couldn't have the mortage. This was a day or so after we had been expecting the cheque so it kinda was a kick in the teeth. Eventually we got the cheque but it is a can of worms I don't fancy opening again.