We are in what we thought was our final year which should have ended on the 27th of November 2016 l got in touch with aperture in April 2016 the lady was lovely and explained what then happened with getting what we owed on our mortgage and the value of the house at this time we was told they always take the lower rate of valuation which like l have just stated April 2016. Aperture then in May required this information which we gave we should have known the out come of this in July but nothing so l rand again l spoke to someone told them the information they needed and they said it should finished on the said date, so you can image our relief as we thought thank god we have done it and don't get me wrong this as not been easy we have done without everything to make sure this payment as always been made. In on the 5 of September they decide to tell us we have to remortgage as they now take the average estimate but from April to September no one contacted us to inform us of this change disappointed doesn't even cover it big let down if they would hav said 8 after the date we would have accepted it and not feel like we do but it took them till September to get back to us so really they are in breach Disappointed l would Like to know when you changed the ruling