Dmak's advise is invaluable. When dealing with these guys you need to keep every piece of paper they have issued you with. I would advise you to keep a diary of telephone calls/conversations you have with them, note times, dates lenght of conversation etc.
My wife and I have a mortgage with them and expect to hand back the keys in the coming weeks. We are paying less than interest only. One needs a steady nerve dealing with these people. Neither of us are getting any younger, so we do not envisage hanging around much longer, awaiting the bully boy tactics.
We have tried all ends up to fix the problems we have but they don't seem to want to meet us half way. It's really is crazy, as now we are handing bank the keys.