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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by emmalou[/i] [br]hi there have been reading through some of these messages and am feeling a bit worried about information i may have been given.let me explain....in sept my husband had an accident hospital,surgery three months off work!he was a hgv driver at time working for an agency so we recieved almost no bennifits.parents in law helped with mortgaga but got behind on everything.soooo husband returns to work and we start using literaaly every penny to pay back extra to all our creditors to reduce arrears,then in feb mortgage company informs us that even though we have paid fully every month which kept us only one month in arrears actually we are two months in arrears because we pay on last day of month but next day another payment is due taking us over two months in arrears with charges so reposession order keeps starting and suspending depending on time of month..so we agree to pay £100 a month to clear arrears ,this will kill us.....then wait for it.. mortgage company writes to tell us that when we come off fixed rate in july our mortgage will go up by £300 at least!!no other lender can help us we have tried two independent brokers.so after lots of advise on friday we were declared bankrupt.we did have about £3000 pounds worth of debt but the reason we went bankrupt is because we can no longer cope with our mortgage when it goes up it will be over our earnings we were advised that if there was a short fall on house it would be included in bankruptcy.the house has been on market three months with no interest agent doesnt think we can get what we need to cover mortgage and secured loan,so there will be a short fall.sooo we are handing back the keys to mortgage company this week and moving into a rented house.the reposession order will commence again as we have not paid this months payment....so can any one help!! will we be liable for shortfall on house??what happens about council tax from now untill house is reposessed??will OR be responsible for selling our house and sorting all debts related to it or will mortgage company deal with it??anything else that can help us let me know!! [/quote]   Check here to include your profile signature.