I read a review at Mortgage Watchdog Review and ended up buying it, but only found some minor errors which the bank refunded me for.
I didn't qualify for any refund because my loan was only 3 years old.

I have read that you can use a spreadsheet just as well but it takes a long time and you don't have the advantage of being able to use the template letters to the bank, which this software makes easy to use.

I don't regret buying and I plan to use it again soon and hopefully catch the bank out again. I have to admit that the sheer satisfaction of finding an error is a buzz!

Michael