If they had been advised as to the necessity for clear offers in writing with terms set out from the bank, their case is that they would have taken that advice, they would have waited for the bank offer and if and when it had not been suitable for them they would not have exchanged  and their case is also that er once things had gone  er very badly wrong and they wanted to get out of the contract if they had been advised as to the way out  er then er  they would have been er of that, they would have served notice and they would have got out of the contract.