Hi, I'm new to this forum and was just reading through your thread. It caught my attention as I met a seasoned property investor a couple of weeks ago at a networking event who explained to me that he bought a house from someone in similar circumstances to you. After talking with judges, lenders etc. he was able to negotiate the charges down, bought the property for cash with a rent back option agreed with the vendor - there was also an option to buy the property back at a later date included in that. If you would be interested in talking to this guy I have his contact details - however as I understand it, the rules of this site do not permit the exchange of contact details, just helpful information. So I'm happy to call the bloke today and explain your situation to him and see what gems of info he has - I will also ask specifically what experience he has relating to HBOS including the arrears in the outstanding mortgage amount. I'll keep you posted.

Hi, I'm new to this forum and was just reading through your thread. It caught my attention as I met a seasoned property investor a couple of weeks ago at a networking event who explained to me that he bought a house from someone in similar circumstances to you. After talking with judges, lenders etc. he was able to negotiate the charges down, bought the property for cash with a rent back option agreed with the vendor - there was also an option to buy the property back at a later date included in that. If you would be interested in talking to this guy I have his contact details - however as I understand it, the rules of this site do not permit the exchange of contact details, just helpful information. So I'm happy to call the bloke today and explain your situation to him and see what gems of info he has - I will also ask specifically what experience he has relating to HBOS including the arrears in the outstanding mortgage amount. I'll keep you posted.