Hi Katy, can I ask you something? i’ve noticed on our online banking page that they’ve added 22k to our debt, is this the norm then? It this part of the whole mortgage amount that they are trying to get now, plus what we owe? ie: if we owe 108,000euros in total but are behind by nearly 3000 euros then the 22,000 euros which they are trying to claim is part of the 108,000 total or added to it??? Do we therefore now owe 130K?? I hope to God not!!