Thank you so much that is definatly better than mine! thank you

Ok thank you very much.

Re: help and advice needed please Hi Please could someone scan over this letter I am going to send the mortgage company to explain my hardship. I have used a template but filled in my relevant info. any feeback would be gratefully recieved before I post tomorrow. many thanks. To Whom It May Concern: I am writing this letter to explain my unfortunate set of circumstances that is causing me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. The main reason that caused me to be late is that I am currently on maternity leave and my income is not nearly enough, I fear I am going to fall further and further behind. Now, it’s to the point where I cannot afford to pay It is my full intention to pay what I owe. But at this time I have exhausted all of my income and resources so I am turning to you for help. Since July 2008 I have managed with mortgage payments on my own, and have not missed a payment up untill now I have worked full time as well as look after 3 children single handedly,Mr J **** walked out on me and his children in july 2008 and has not contributed towards the mortgage whatso ever since. I am currently seeking help from the Mortgage rescue scheme, as I feel that my situation will continue untill at least March next year when my maternity leave ends, and fear I will fall further and further behind, without help. I truly hope that you show some forbearance in my time of need and help me out in my unfortunate circumstances at this time. Sincerely and Respectfully,

Hi hun I hope you dont mind me posting but I am in nearly the same position as you, and i havent got a clue what to do either.How are you getting on? I have found this site a gods send cos lke you I dont qualify for legal aid. Good luck with everything and If you need a chat or anything pm me. x

Hi Please could someone scan over this letter I am going to send the mortgage company to explain my hardship. I have used a template but filled in my relevant info. any feeback would be gratefully recieved before I post tomorrow. many thanks. To Whom It May Concern: I am writing this letter to explain my unfortunate set of circumstances that is causing me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. The main reason that caused me to be late is that I am currently on maternity leave and my income is not nearly enough, I fear I am going to fall further and further behind. Now, it’s to the point where I cannot afford to pay It is my full intention to pay what I owe. But at this time I have exhausted all of my income and resources so I am turning to you for help. Since July 2008 I have managed with mortgage payments on my own, and have not missed a payment up untill now I have worked full time as well as look after 3 children single handedly,Mr J **** walked out on me and his children in july 2008 and has not contributed towards the mortgage whatso ever since. I am currently seeking help from the Mortgage rescue scheme, as I feel that my situation will continue untill at least March next year when my maternity leave ends, and fear I will fall further and further behind, without help. I truly hope that you show some forbearance in my time of need and help me out in my unfortunate circumstances at this time. Sincerely and Respectfully,

Hi was just wondering if anyone knew of a template letter i could use to send to my mortgage company to explain my finacial hardship and to ask for thier help please? I need to do this today if poss can anyone help please? Also should i include in the letter that i am seeking help from the mortgage rescue scheme? many thanks in advance.

its ok lol i have found it! thank you

sorry to be a pain but i am looking on the land registry website and am unsure what I have to click on to be able to get the information i need. sorry again.

ok thank you very much for your advice lea it is very much appreciated.

sorry forgot to say, the gift from my step father was £14000 not £140000.

Hi thanks for your reply.i am not yet in Arrears but will be after this month.i have an appointment with a solicitor on tues to see what they say.do you know where i can get the information on the land registry please? my ex knows full well that we are probably going to end up owing alot of money that is why he is so desperate to take his name off and leave it all to me.he does not know that i am now struggling to pay the mortgage but i think he must have guessed. the csa have worked out payments for 2 of his 3 children the other child has left education so i no longer get anything for her. to be honest the best result would be for me to somehow quickly sell the house and resolve issues that way.i don't particulary want to stay in the house as its in quite bad condition and i seriously think its dangerous for me and the children to live in.

Thank you. I am going to try and book a solicitor today for a 1 hour free appointment, as well. I sometimes feel like i am all alone, with so much weight on my shoulders so thank you for listening x

Hi Not very good with things like this so will try my best not to rabble on! Am in desperate needofadvice please. In 2005 took out a mortgage and unsecured loan with my ex ( we have 3 children together), I used a gift of £140000 as deposit, this was from my step father to help me on the property ladder. In 2005 we split up, he walked out on me and the children. I went to csa around 2 yrs ago now as I was worried he wouldnt pay for the children, I have been paying the mortgage on my own. I have struggled so much its unbelieable. I fell pregnant ( not my ex) last yr and have been on mat leave since april I am now struggling to pay the mortgage. I am single with 4 children. The house was on the market to be sold up untill last year but i only had 5 viewings in something like 2 years so i took it off the market intending toput it on with another estate agents straight away, but i fell pregnant, i was working around 50hours a week and looking after the other 3 children alone, and i just didnt get round to doing it. The mortgage is in my name and my ex's name The house is in negative equity He is demanding i take his name off ( he has since remarried acouple of weeks ago) he is texting me today saying that since he hasnt paid for the mortgage for 4 years now he should be taken off. Im worried that I will be landed with all the debt from the house. I am worried he has been taking out loans etc against the house ( i wouldnt put it past him to forge my signature) I havent got a clue what to do, im thinking of asking the local council about the mortgage rescue scheme. please can someone give any advice. thank you

Hi all just wanted to introduce myself and say Hi. I am in the very very early stages of whats going to be a very scary time for me and just by briefly browsing some of the posts on here i know I can get some needed advice to help me along. :-Dx