Hi All, Thanks for having me on here, quite a long one this I'm afraid, I'm after some advice as to what my options are.... Firstly i purchased a house in 2005 with an ex partner, we used a independent mortgage advisor who managed to secure us a northern rock together mortgage, the house price at the time was £104k, all was well, we were on a repayment mortgage, all going fine, then we hit turbulence in the relationship! in 2007 we split and i decided with the house market still increasing it would be a good idea to buy her out, the house was valued at 130K and she wanted a settlement inure of circa 10k to move out. so i approached northern rock who were happy for me to take the mortgage on alone and i ended up into the house for 125k. a year on and things changed in terms of my financial position and i was really struggling to keep up with the burden, i ended up approaching northern rock and asking them for a payment holiday, which they turned to me and said i couldn't had as i had been late on one of the payments ( one out of 4 years) things started to spiral from there on, i incurred a lot of fines for late payments et and it got to the point along with other debt where i had to enter into an IVA. that was going well for 24 months then things took another turn for the worse and i ended up not being able to afford the IVA payments. In the long run i ended up having to move out of the house and effectively gave the keys back to Northern rock When i left the house was valued around 110k and i know for a cheap sale it went for a price of circa 75k. Since the time i have not been back in touch with them to see where i stand and what is happening, very silly i know but the only way i knew was to bury my head in the sand. I'm now looking to resolve the issue and wondered what the best way to approach was and if northern rock could at all be held slightly responsible for in my eyes reckless lending, at the time it all seemed rosy and i was under the impression it was the norm to get so deep into a property, but they looked at my earnings and it was really on the tight side of what i could afford. Any help and advice on what to do next would be greatly appreciated, i know there are a few other debts linked to the IVA which are still outstanding and I'm dreading re opening the can of worms, but i feel it is time to face the music. Thanks in advance