Thank you for all your replies, greatly appreciated.
I'm going to see the housing department this week, to see what options I have and whether the mortgage rescue scheme applies to my situation - here's hoping!!
Thanks again.

Hi, I declared myself bankrupt in Dec 08, after finally deciding 63 years to pay off my unsecured debts just wasn't viable for my daughter and i to have any kind of future. I have informed the mortgage company that I will not be making any payments to them, due to requiring the money for a deposit f...