Just to give you an update on this thread. They made a remarkably sensible offer which, after taking advice, I've accepted. I could have gone to court and made everyone involved thoroughly miserable to potentially get a bit more cash but it just wouldn't have been worth it. I'm going to end up with a pretty hefty lump sum to put in a savings account* until the housing market settles down and I've worked out where I want to live. I'll grab somewhere to rent until then. Thanks again for everyone's kind words and advice. Cheers Tom *With a really long access time. None of the money will be used for another bike. The money is all to be used for a house. Repeat - do not go any where near the bike shop until the money is in the savings account.