Hi My mum has a mortgage on a small apt in Spain. The repayments were affordable but two years ago rose to an almost unbeareable level. The banks will not remortgage due to her age and are not prepared to enter into negotiations about the repayment level. Has anyone had dealings with companies that advertise they can help you out of similar situations? From what I gather they negotiate with the banks on your behalf, you pay a fee but you get out from under a huge mortage with no liability. Id be interested to hear of any such stories. Thanks