Five years ago we understood we had changed our interest only mortgage to a repayment mortgage. We have confirmation of this from HSBC and we also have a decreasing term life assurance (which should have been in line with the decreasing mortgage). However, we have recently realised that the mortgage was never changed, and is still an interest only. We have since looked into changing over to a repayment, and the only way we can afford to do this is to extend the payment period until we are seventy! We are devastated by this, and believe HSBC should recempense us for the years that the mortgage should have reduced. Can any one advise of our rights