Well folks I got the news that I've been praying for. Offer accepted!!
Thank you all for your support, I feel like I'm breathing for the first time in years ))

I've offered to pay the equivalent of 12 monthly payments up front ( money from a family member). This will give a dividend of 17p in the £ instead of the 48p expected in the original arrangement. The meeting is coming up soon, anyone think it'll get accepted?

Hi, my 60th payment is in Sep 2010, like most I am expected to remortgage in the final year and release 75% of the equity. I have recently lost my job, I've managed to keep up the monthly payments but I don't think that I'll be able to remortgage in this position. Obviously after paying for 5 years ...