Andrew, thanks for the info, Hanel says it all!!! my friend is having major problems, builder has taken £47k from a £53k purchase and are still waiting for the apartment to be completed after 2 years, now wants them to move into a completed 3 bed apartment and another £20k, we are just trying to help them, not sure where we go from here, they don't have another £20k to spend.
Any suggestions would help?