I'm sorry but this site is called the fair mortgage campaign , I'm sorry about the issues u have and I hope u get solutions to you're issues. We all need to be coming up with solutions to the overall issue of supplying us all with fair mortgage rates. Any of ye that can supply solutions go ahead instead of talking about individual issues. In case any of ye ask what have I proposed I have suggested a much more public campaign and the sooner the better because we're getting nowhere