My belated congratulations to you and your mum Kevin. It settles the mind when these things are finally sorted.

Yes, the present interest rates situation is a horror story.

I cannot yet relate my Skipton saga because it STILL isn't finished. Their sheer incompetence, laziness and audacity etc. etc. has had me spitting blood this week. I cannot write what I feel because it would be censored. I think it will be some to come before I can come on here to tell you it is all done, if it ever will be. If I knew then what I know now, I would have followed others' examples on here and opened a NatWest ISA.