No wait what? They won't allow you to exit the arrangement until it ends even though you're capable of full repayments now? I'm pretty sure that's against the code for mortgage arrears. You need to get qualified financial advice urgently. And no, they don't have any mortgage files unless the borrower explicitly requested the release of the file to the secretariat in writing with their full consent. I was also sure they would have it in front of them. It was only after a few letters requesting information that they would clearly have if they had access to the file that my concerns were raised. I then wrote to them asking to confirm whether they had the file, or if they didn't why not. I also asked how they could make a fair adjudication without the file. Which is how I got the letter today. Stunned.