hi everyone, im needing some advice please. My husband was self employed and in march 2009 couldnt get any work. i had just had our 3rd daughter who had health problems and was pregnant with our 4th.so couldnt find work. hubby ended up going bankrupt in july 2009 and was discharged in dec 2009. we did go into the overdraft which was in joint names and i defaulted on a loan at the time as it was feed us or pay the bills. we were renting from mother in law but she had told us we were buying the property from her which is why we got a £15000 loan to do the property up, we had been paying it back for 3 yrs before we found out she had decided we were renting not buying and she refused to help us when dh lost his job. i contacted the bank where we hd the loan and overdraft in sept 2009 to set up repayments but once i gave them my details no money was taken out and i didnt realise till months later. where i contacted them again and arranged repayments again. it is showing up on my credit check that i have defaulted which i did and that i am still defaulting even though i am paying them back. before and after this we have paid every bill on time never missed any payments. when dh first lost his job we contacted the companies and asked if we could reduce payments or come to some sort of arrangement and were told no. family couldnt help as the were in same boat we movedin sept 2009 but couldnt go through an agent as we were declined the credit check so had to do a private rent without going through an agent. anyway we are in rented accomodation and have been for 2yrs and never missed apayment even when DH has been out of work. we now have 5 children and are wanting to get a mortgage. my dad says he can lend us a deposit but finding someone who will help is a nightmare as they want a 50% deposit and we only have 20%. also dh is now 41 and if we leave it much later we wont be able to due to his age. our oldest child is disabled and we are desperately wanting some security for her and our other children. just received a phone call frpm first money direct but googled them while i was talking to them and found really bad reviews and when they asked for a credit card number to "verify our credit history"i told them no they said they would phone me back but from reading the reviews its just a [problem] so does anyone know of a company that will help? the thing is we are paying £595 rent every month but the mortgage repayments would e less than half of that. we are not serial debtors we just got into trouble when DH lost his job. it has taken us til may this yr for dh to be accepted for a bank account and this was due to the discharge not been put on his credit file which we have now rectified. credit expert said we should put a notice of correction on his account explaining the situation and we have done that but what else is there to do? and will we ever be able to own our own house without paying a 50% deposit?? would we be able to get a loan instead of mortgage? and if so what company? we are wanting to do this now as our lease is almost up and i dont think it will get renewed as the people we rent off wan to sell the house so im afraid we wont get anywhere else as we failed the credit check last time. council cant help as the only houses they have readily available are 3 bedrooms and they say we need at least 4 bedroom. so i thought buying a house would be the best option now our finances are sorted but we are stuck thanks