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  1. Hi everyone i am back again for support and advice on an issue that i can not think of any way to solve. I made a bad choice in 2002 and opted for an interest only mortgage because it was quick cheaper payments and i had the intention of swapping to a repayment mortgage as soon as i could. However money i was owed by my sister was never received and i became ill in 2006 and ended up in arrears with this company. It went to the FOS who agreed with me they had been unfair and had not shown forbearance their fees and charges were refunded and arrears remaining original arrears capitalised and suspended repossession order removed. This was the one time that i am aware of that the FOS actually made a company comply completely with their requests. I have been paying in full on time ever since. 2006. Then last year i got a letter from ge money stating my term was up in 2015. I got the shock of my life because i thought it was up in 2020. I had arranged my morthage through a broker and this was the third time i had remortgaged with this company and the other times the mortgage term was for 15 years so i stupidly presumed this one was 15 years also. I remember my broker saying did i want it over the same term and i said yes so i dont know why this one is only over 10 unless the broker made a mistake. However i am in a situation now with no money to pay off the mortgage next year and ge money saying tough u signed the agreement. I was wondering if there was anything i could do because the extra five years would allow me to stay in my home and i would have the money to pay it off then. It just seems so unfairi i have a mental illness and couldnt cope with having to sell the house i am so tired of all the fighting with these companies as i am with the other demon too acenden and am on the 4th complaint to the ombudsman with them. I was so naive ten years ago. I thought companies were fair amnd if you were honest with them and genuine they would bend the rules a bit to suit individual circumstancres like they used to back in the day when you dealt with a manager face to face. I feel like giving up i dont have any more strength left in me to fight. Its just making my ilness worse and on top of that i have suddenly developed a problem with my legs that keep giving way and have been yold it could be cauda eguima which is serious and if left untreated could cause me to become inconyenant and never walk again. I am beside myself i just wish i had a magic hand come out of the cloudsto help lift all this worry from me i usedto be so confident and sure of myself but i just dont know were to start anymore or even if i should bother anymore as all these companies seem to win in the end . I have just had enough thankyou for taking the time to read this i know its long but had to give it one last go in hope of a miracle cher69.x
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