Thanks Nigel. Very helpful as is your website. I've got three clients in similar situations, so could you let me have the lawyer's details so I can contact her. The way I work with clients is they pay me a fee to handle all this on their behalf so initially it would be me having the discussions with the lawyer.

If you don't want to put it on this public forum, let me know how I can contact you privately.

Thanks
Kimberley Charman
Property Investors Road