upferret:Thanks! I feel a bit less worried now. If I dont do a disclosure order and just sit it out what is likely to happen in the long run?

Not a lot, there will be phone calls, letters, empty threats (look for word like "may" and "might"), defaults, selling on then the merry-go-round starts over.

They get bored after a while, remember that all this harassment cost money and if the return is not forthcoming they will move on to easier targets (who, hopefully, find sites like this!)

S