A chara, – My mortgage provider is forever at pains to remind me that I am not the legal owner of my home until the final payment is made. Considering this, the implication has to be that my mortgage provider is the legal “owner” of my home, and considering that, is it not therefore the case that my mortgage provider is liable for the household charge to be applied to my (still to be paid for) home, and not me? Please tell me I have found a loophole? – Yours, etc,