Hello Thanks for all those lovely messages - much appreciated. Things have a bit further to go downwards I think before they start getting better - these are dark times - but I promise I have taken your comments on board and that at some point I will see the way forwards. Hopefully this week will - ...

Hi - thanks for hyour lovely reply - you are right - I know - it's just really scary right now. I can't believe that one thing going wrong could cause our lives to implode in the matter of weeks. I spoke to one of Melanie's team yesterday for about 2 hours - she was wonderful - and I did feel a lot ...

Thank you both - it really helps - can't say how much. Did you both think it was the end - I just can't see how we are going to come out of the other end - surely this will stay with us for ever? Have been told I have clinical depression - feel sick and ill all the time - can't see a way forward and...

Thank you Jan - I just want to get a plan together and know somebody is sorting it out with us - the feeling of helplessness is just too great to be honest and if there is any way this dreadful mess can be sorted out - then we really want to pay our bills - albeit over a longer period of time than w...

Hello again I think I hit the wrong button before! Can I as a question of somebody who might have knowledge of this - but since my posting last week I havn't been able to push finding an urgent solution any further forwards - Melanie Giles is kindly going to speak to me - BUT - now that things are s...

Hello - thanks for your reply. Yes we absolutely must surrender all of the buy to lets that we can - but we need to keep a roof over our head and that of my father. He only has a state pension and the cost of the mortgage on his flat has gone up lover the last 3 years from £400 to £880 interest only...

Thank you - my heart is racing so hard I can hardly keep my hands still to type.

Hi The realisation has recently hit home that we are in a dreadful financial mess and can no longer rob peter to pay paul - we are totally maxxed out and have started missing mortgage payments. This is new to us in 15 years together of perfect credit history etc. The problem is that we have (as many...