Glad Im on the right track. Normally I would prefer to think that nothing will go wrong and IF it does then my consumer rights will be enough to sort it. But it sounds like this is only the case if you are happy to fight alone.
I am experiencing this with my home right now, I have no mortgage and unfortunately I have a subsidence problem, I put in a claim on my Insurance and the first question was "who is your lender" this tells me they are more frightened about them than me. Its not going smoothly and I can see a battle looming.