The BS has £75k to lose. They have a very strong incentive to help you sort out the insurance question.
Talk to the BS (face to face if possible). Make sure that they have
*all* the available information. Write down a list of facts that you can give them. Ask them for advice + help. They have all the technical skills you would need. Work with them.I am surprised at the insurance problem. I presume that the insurance was taken out for a year and that the DDs were a component of the premium. I am not sure of how valid it is to cancel insurance on the grounds of x missed payments when the situation/payments were in the process of being reviewed.
Flop