Sorry I tried to edit this post above but it wouldn't work. It came out wrong.... I really need to sleep

After a horrendous few years, even though I know we're in the right and probably would win in court, I've decided the risk is just to great and I'm just going to sign for another 25 years. I've got so much going on that I cannot cope, I've recently lost my sister who died young leaving 3 children she lives 3 hrs away from us so I'm back and too trying my best to help them . my husband broke his back a couple of years ago but because he can walk a little and use his arms he lost his ESA. Although he's trying his best no one wants to employ someone in his position so there you go... I think I've reached my breaking point I don't see any other way out ... The lender knows that were afraid and there taking full advantage! They've already added 2k since Feb and it's going up every day. Thank you so much for trying to help us

Yes ... More or less! ....we had paid it for 20 years then we were basically conned with a few years left! I can't believe we were so stupid tbh

they can ask the lender to postpone the court date... It is at the lenders discretion but they are supposed to when there is a complaint pending

Can the lender charge us £1000 legal costs for a court date that was postponed by the FOS?

I thought exactly the same thing but I'm scared to death of going to court and losing our home. I can't help but feel that they're going to rip us off somehow! Can anyone tell me if we should of signed a new credit/loan agreement when we changed our mortgage to interest only? Or is everything based on the original mortgage agreement?

Hi I just have a couple of questions if anyone can help.... At the moment we have no credit agreement in place but recently our total amount owed has increased? Can it increase with no agreement in place? We have also received a document to sign to increase our mortgage term which has a clause in it relating to arrears being added to the total (we didnt have any arrears).. . I may be being paranoid but can the lender back date this agreement and create arrears?

We've had a final response from the ombudsman and they're not up holding our complaint. - I wasn't really surprised as the adjudicator had it all wrong from the beginning and I couldn't seem to get her to change her initial incorrect assumptions.... I've never felt so confused, irritated, frustrated and utterly helpless in my entire life.... The response totally contradicts itself. How can we be made aware of an 'interest only mortgage' and be made aware that the capital would need to be repaid in full at the end (according to the lender and ombudsman) but then were told that they cannot uphold our complaint because there is no proof we were given any advice by the lender? I assume informing people about a product mustn't be classed as advice even though he was giving us monthly figures? If we'd not spoken to someone how would we know what our monthly repayments would be? Either we spoke to them or we didn't. Just because the lender has no evidence shouldnt mean they're innocent The message this sends to lenders is submit no evidence either for or against the complaint and they will win every time. Sorry I'm just moaning out loud!

I've checked the land registry and the building society name is on it

Ignore that previous date sorry...It's the 2nd of August 2016

Yes I sent it yesterday

I've registered and paid but the systems are down! I will try again tomorrow though. We have got a very large pack of documents that were sent to us a couple of years ago. It contains all previous owners info/ legal docs etc im not sure if we were supposed to have them. They told us they have registered defaults against us. I havent looked tbh but I will check on it - I didn't really think about the having no agreement part tbh with everything else going on. Thank you.

Hi Possibly - we are currently looking into it - the lender has recorded defaults against us so we're struggling to go elsewhere.

Hi I've just searched but it says - sorry, there is no price paid/value stated information available for this property on the land registry and via Gov.uk the service is offline until tomorrow. Would this info normally be available for free?

We have got slightly less coming in at the moment and it seems that now they are suddenly going above and beyond and doing every thing by the book (pity that wasn't the case back in 2008) but that's all they have offered us. We have asked about a shorter term but they say 'we still have to wait for senior management to ok this first' its all very strange.