We purchased a studio appartment in 2007 and paid 50% deposit in total. After being promissed guaranteed finance, we have been told that it is not available and we have to find the money. After a meeting in Leeds 11 days ago, we have been told we can either pay the remainder in full, pay half and then half over three years, or the bank will take our property and MRI will sue us for a further £7, 000 euros. What we want to know is MRI DO NOT have a signed contract from us. We have to proof of payment of our money through HIFX but do not know what todo from here. How do we stand legally?