New user.. I have been a customer of Santander for 20 years. However, 2 yrs ago I started to fall into arrears with my mortgage. I stuck my head in the sand and didn't tell my wife. Towards the end of 2011 we were put into litigation and passed to HL Interactive, realising this was serious I contacted Santander to discuss affordability. Unfortunately once you are in litigation the bank wont talk to you and pass you back to HL interactive their solicitors. To cut a long story short i was paying £1529 per month, they removed my discounted mortgage rate and assessed from my gross salary that I could afford a further £500 in addition to this. compounded by moving to their standard variable rate this meant they wanted an additional £1000 per month a 65% increase on my original mortgage payment which I already could not afford. From November 2011 until now they have refused to discuss my plea to look at other ways I could work with them to keep my home, they have only every completed one affordability analysis and that was on the telephone and based on gross salary. I have been to court with them twice over repossession and have had to borrow money from friends and family to meet their demands. My wife finally became aware of the situation this March and with friends help we have now paid all our arrears. in order to pay back our friends we are now in the process of selling our home as we cannot face dealing with Santander again. We raised a complaint with the bank and 9 weeks on they have sent us a letter saying we can go to the FCA as they are stilling trying to get to the bottom of all our issues. I have also recently raised this with the director of their banking arm Steve Pateman and await his comments around his banks approach to customers in litigation, to this end their solicitors have this week confirmed they have not acted in our best interest and have sent a cheque to Santander for £433 as a part refund of their fees in recognition of this fact. Santander's CEO office have agreed to come back to me this week on my concerns. I would appreciate advise on what we have been through and what we should expect from our bank.

Hi all I am new to this and would appreciate any advice. In short i had mortgage problems due to my marriage breaking down in th emiddle of the GFC. I also worked as a recruitment consultant and lost my job. This all started withme falling behind with my mortgage due to losing my job. I secured a new position and informed Hl Interactive. They responded with a court date to start repossesion. I called and they said the only way to prevent this was to pay the arrears over two years. They told me no need to go to court as if i agreed to pay back the arrears 6 months @ £1200 - £7200 over 24 months I would lose my house. I asked about capatilising and to extend over the period of the loan as they would accept no less. In fear I agreed and had to take a job over seas in Australia to meet the costs. Six months after this last June I had a flood at hoome and had to pay £1000 to fix it. I called HL and they said to put a budget sheet in and they would review it. They continued to threaten repossesion and demanded more money. I stopped trips home and have worked 7 days a week for the last year. I have managed to get infront of the possesion order by defaulting on credit cards and loans. Due to the stress and missing christmas with my daughter I put the house up for sale. The property has sold and am awaiting exchange. The problem being that now despite 4 letters from my solicitor they have failed to give a settlement figure. Emailing them was difficult as the info email bounces back. I eventually found the CEO's email and emailed him. My frustration is that due to bad credit I will not be able to get a mortgage. If they had not miss led me in the first place about the repayments I would not have suffered as much as I have this year. I have lost 4 stone in weight through worry and barely enough money to feed myself. If anybody can give some advice it would be most appreciated. Scott