Thanks Melanie - I had found a couple of references to his good work and I have made a note to make contact after I have spoken to a couple of people about what might be my best options. Everything seems so complicated at the moment - I'm sure everyone feels the same until they're in front of an ex...

Yes, I've been doing a little 'digging around' this morning and I can see the extent of the support that exists - it's pretty impressive!

I will be needing quite a bit of advice regarding mortgages so I may well be following up with the experts who offer help here.

Thanks

Thanks for that Jan

[:D][:D] I am SO impressed with the responses I have had to the initial post I made yesterday morning - I really didn't expect it to be picked up, let alone responded to! I do feel quite flattered - I hope that's not too cheesy!!!!!! Can I ask - what do the descriptions under each persons name mean...

You are terrific! So much support and encouragement from people I have never met!! I am amazed and delighted - a whole new world has opened up for me! I actually slept last night - wonderful! And, yesterday I met with a friend and told her about the possibility of facing this type of solution to my...

Thank you for your kind reply. I am quite sure now that I will make some enquiries this week to see who can help me deal with the issues facing me now. I suppose till now I have always adopted a positive (something will come along/ostrich??? - possibly) approach. The problems haven't been caused by...

Thank you Michael for your reply. You are right, I need to discuss the details with someone so I can arrive at a sensible solution. Soon! I really have no idea which might be the best route and, to be frank, have preferred to struggle on (my commitments, my responsibility, you know how it goes!) bu...

Oops - I'm sorry - in my eagerness to reply I failed to notice that your name is Jan - not Kallis!

Apologies

Hello Kallis and thank you so much for your reply! I have been awake and reading through this site since about 3.30 this morning - ANOTHER sleepless night!! I was truly amazed to see that my post had been read, let alone responded to - and in so positive a manner. I'm feeling more positive already!...

Where do I begin? I have a house which has been used to generate a deposit on the house I now live in. The original house now has a mortgage which is worth - approx - £100,000 more than the value of the house! I rent the house for a sum which is approximately half of what I pay in interest only paym...