Worked hard most of my life. Always made payments on time, and lived within my means. I fell sick (terminal illness, so they say), so have not been back to work. Spouse still works no state benefits. We both fell ill at the same time. Spouse now has a permanent disability but still manages to work. Problem is are we being railroaded? Have two homes. One we inherited and another a house we brought together. The latter should have been paid off for in 2011, but it had an endowment attached to it. Since banks near collapse and state takeover. We have been told that endowment never existed. House contractual terms was a 21-year mortgage. Now into year 24 and the financial institutions I borrowed from say that I have to continue paying until 2020. Never contracted for a 30-year term. Back in the day there was no such mortgage available. Went to quasi-agency watchdogs and legal profession. All state ‘they are not allowed to go against the state.’ So we now have a house that has become uninhabitable due to an arson attack with a mortgage attached that we cannot get rid of. Letter received from an unknown business person. Wants me to sell property to them. Said I would if they would cover the authority’s fees and the mortgage pay-off. The company did not return my call I do not think it fair, as paid for the property FIVE TIMES OVER with the amount I have paid over the years. And now I still cannot get rid of it because the area is priced capped and below the mortgage value. Seen a programme called “The Estate,” where they did this in Hendon Middlesex. Houses not in bad condition just need cosmetic updates. They built over the road. Shoddy comparison in my book. First Year all the tiles blew off as they were the new tarmac shingle ones. Wall in my home are so sturdy you drill with Masonry bit and sparks fly. So question is, am I being railroad?