Ours is a similar position, to get the rent and deposit on a private rented house we just stopped paying all the creditors, including the mortgage and secured loan (with Picture) and got on an estate agents books straight away whilst our credit rating was still good! We passed the credit check then(although we wouldn't now, I have a CCJ!) You might want to think about doing this sooner rather than later if you are resigned to losing your house!! I did feel like we were "runnning" away from our problems but in the end, I realised that we had to secure a house for our family. We have lived in a rented house now since April. Its been fairly quiet, as I changed the phone number and nobody knows where we have moved to! I have mail redirection in place so can deal with all correspondence. We have a court date for repossesion of the house on 1 August from NRock, the 1st charge-holders, surprisingly , Picture have not been in touch, even about the non-payment. Incidentally, we tried to sell our house too, but as it was in negative equity, Picture refused point blank to "release" the 2nd charge and the sale could not complete, we had a cash buyer with no chain tooo!! This was the catalyst for us to realise that we are in deep poo financially, we looked at an IVA but are now going to petition for bankruptcy in a month's time!
