Hi, I also used to be with Future Mortgages and they sold my mortgage on to Engage Credit. I've been out of work about a year because I have a brain tumour and am undergoing treatment. Engage Credit have even asked for my medical records which i have unwillingly given them. The DWP is paying the interest and with some help from my parents i've just started paying £170 which leaves me £130 a month short. I didn't pay anything extra for a year so I have considerable arrears (especially will all the extra charges and interest) and to pay this is leaving me with next to nothing to live on. I have been trying for about 6 months to get them to look at going to interest only or capitialise my arrears or extend the term of the mortgage. Anything to reduce the monthly payment so I could do what they wanted and pay my mothly payment and reduce the arrears. They have said its unaffordable because I am on ESA even though all options would be significantly cheaper than I'm paying now. I've even had a letter from my doctor saying I should be able to return to work within 6 months and they said it wasn't a guarrantee and then admitted it wasn't possible to give a guarrantee but they still expected it. Their communication has been terrible and I can't get proper reasons for why they won't try and find a soultion. I've had to ask and ask to get anything in writing. While all this was going on they started court proceedings and i thought we were still trying to find a solution. I feel like a lot of the time they have been utterly inhuman. I desperately want to stay in my house, at least till i'm well, but its like they've just made their mind up and won't consider anything else. I've had one hearing and its been adjourned till the end of the month as the judge wanted some more information but I don't hold out a lot of hope as he's alrady prettty much said don't expect too much. I managed to get hold of an independant report Engage Credit had done (with a bit of a fight) and it states they have broken FSA guidelines on Treating Customers Fairly, broken internal guidelines on vunerable customers and not looked at rehabilitation strategies. I also found out that their Litigation Manager has been checking my LinkedIn profile and when challenged admitted she'd been googling me ' to verify information' - what the hell she expected to find on google about me I have no idea but I'm half expecting to find someone outside me house following me to the hospital of the supermarket! I've raised a complaint with the FSA and sent a copy of my letter to the director of the company and my MP who's been trying to help me, but i suspect anything will come too late or not make a difference. I'm going through a pretty heavy drug treatment at the moment and supposed to be in bed resting but this is making me seriously ill (on top of already being seriously ill) and how i'm supposed to pack up a house and move is beyond me. I'm in serious negitive equity as I bought just before the housing crash (about £30k) so I think the next fight will be them chasing me for that.