I received lots of help on this site a few years ago, when I was declared BR. I have a friend who could use some advise please. He was declared BR in 2013 and managed to stay in his mortgaged property but is now in a position where he cannot afford the mortgage anymore. The house is in negative equity and he feels he is fighting a losing battle. Would he need to apply for BR again or could this be included in the 2013 BR, given that the OR still holds an interest? Any advice would be greatly appreciated.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant