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That would be the first item you would look at "Who's"name is in the contract,before you even open the front gate prior to walking onto the site ,once you know it's in the hands of the bank then it is a different ball game,it can work well in a down market,where all the bank wants is fair market...

I,m still trying to understand this and the mess you are in,first of all get a copy of the contract and see for yourself what's in there in black and white,why did you sign something that you knew nothing about?.. May well be very hard to litigate against the vendor if you can't even get them to...