Hi; no not yet. Arrears is around £6k; they are looking at repossession. Who is the 3rd party? Is it better to meet them away from home & can I tape record what they say?

Margaret B; your mortgage rescue advisor should communicate with the lender now; they need to deal with the repossession as well, as it wont go ahead while you are under mortgage rescue. good luck

Hi all; I have a mortgage from Nram & an unsecured loan with them also (together mortgage), & a secured loan with Black horse which Nram agreed to. I was made redundant 3 times in succession & I'm working now & hubby works also, we never got straight. Went on interest only & reduced payments, but now they say they cant help us any more. We got a repossession hearing & went to mortgage rescue so it was stopped but mortgage rescue fell through at the last minute due to repair costs. The advisor at mortgage rescue told us to stop paying everyone & find somewhere to live because they would start repossession proceedings again now. Found a house to rent but cant get it because our credit rating is worse than bad & we havnt a guarantor. the council wont rehouse us. got a letter from Nram saying they want to send an advisor out to discuss, if we dont agree they will charge us (is that lawful?). Im happy to see the advisor but dont know what they will do, they refused to extend our mortgage term as hubby is 52 now. we can meet the mortgage but not the secured & unsecured. If we get reposessed they will between them lose about 60k, its mad. dont know what to do

I will be interested to see what happens here; I am currently trying to stop repossession by Nram - LTV stands at 161% !!