Pravin Varsani took ages to contact me, was too busy to be very interested and ended up advising me to take what I now realise is a very poor deal. He did not tell me that a second lot of solicitors would be required by VIDA for a debenture and this would cost me a further large fee in addition to my main solicitors. I find it ridiculous that, at the age of 69, having had various mortgages for 45 years and with £1.5million in equity in my property investments, I have to pay for 2 solicitors to appraise me of my responsibilities on taking out a mortgage. I would not use you again and would advise others against John Charcol. I am paying your fee VERY RELUCTANTLY.