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Good point keithj, I honestly hadn't thought of that. That was my last reason not to try this. As soon as I see one person from either here or 'the dark side' progress their application through to conclusion, I'm going to give it a go. I still don't think this can or will last for too long...

In searching for the worst case scenario here, I don't think anyone's hit it on the head yet. The worst case scenario is not that Derivex will go bust and you will have to refinance you home to pay out the loan which will be called in by the receivers. The worst is that Derivex will go bust...