Well i spoke to mum again today and she said that because she was still in the grace period for the refi she was able to cancel it, she should be getting the paperwork through in the next 5 days with the cost to actually 'cancel' the refi that she never received the check for.

Once she has that and i have had a look at it, its over to England for a week in February to setup the house in turst for my sister and her kids.

Two days up north dealing with mums stuff, then 2 days down south dealing with dads, then 3 days just bumming around London LOL

Regards,

Lee