Hi El-enn I hope u can give some urgent advice. I have a friend who was 7k in arrears in 2007 she then switched mort companies and went with GMAC later taken over by WAVE LENDING LTD. She went into arrears with new mortgage as fixed interest only is 7% she currently pays over 2k per month. She went to court and agrreed to pay £50 etc and was given a suspended possesion order. She can't now pay so is back ion court Wednesday for Repossion Hearing.She has sent letters etc to WAVE LENDING for a reduction in interrest rates and explaning what she can afford to pay. She is a single parent, her daughter died 3 years ago , she is a foster carer but doesnt have any children with her. Her son is 19 years old and in full time education. Is there anything she can do?