Hi Happyhippy1959, Thanks for your reply. Unfortunatyely FP refusing to let the sale go through is one of my biggest concerns. I don't want to get to the point of incuring costs with solicitors etc and then find they say no! I don't understand why they would seem to prefer to put me even deeper into dept by allowing the house to be repossessed and then sold for a lower price than I am likely to get (if I could get an offer of course!). I just need this house and all the stress associated with paying FP gone!! My husband's health is far more important than any house!! The mortgage is already interest only, so there's not a lot else I can do there either, so it looks like voluntary repo is the only way to go. To be honest it will be a bit of a relief, and at least I can finally live with my husband again!! If I do have to hand the keys back I also think that BR will be my only option, although I don't know how easy that will be from outside the UK?! I would appreciate any help with regard to the repo.....what did you do with utilities companies, FP etc?? Any more charges that I'm likely to incur?? Thanks again for your reply........it's kind of reassuring to know I'm not the only one in such a situation. J

Hi All, This is my first post and not sure if I'm in the right place, but hopefully someone will be able to help. I have a mortgage with a balance of £161,000 and a secured loan (with Firstplus!!) with a balance of £49,000. I am self employed, but am getting less and less work. The secured loan is our biggest problem, so for the past year and a half I have been trying to sell the house. Have had no offers despite reducing the price several times. At the moment the house is up for £208,500 but is still not getting any offers!!! Total unsecured debts are: Personal £5000, Credit cards £4000 and rising. Credit cards are now being used just to survive and as of next month I won't have enough to pay the mortgage and secured loan as I have no work this month!! My husband is in remission from cancer and has had to move in with his parents in Spain, because the stress of trying to juggle everything was getting too much. So far I haven't missed any payments and have never defaulted, but that will all change next month and from there on it will get worse! The house isn't selling and the only option seems repossession as it's just not worth my or my husbands health to try and hang on. What can I do? What are my options..............I know this doesn't sound too bad, but my health is suffering from this and I don't want my husband under any more stress. I can see no way out. I don't want to just walk away from any responsibility, but I'm getting to the point of having no money and no assets. Any suggestions please?? J