Its so hard for me to ask for help... i have spent my life journey struggling through and making it on my own... but here goes... I have raised my daughter alone in this house for 15 years. She has never lived anywhere else. I had always worked and i even went back to work when she was 8 months old so that i could make sure my rent and mortgage was being paid (shared ownership) In recent years I was made redundant and even though the council paid my rent they did not pay my mortgage... after about a year i managed to get a contract but by then my mortgage was in arrears...I have been trying so hard to make ends meet and pay off what I owe but its still not enough..right now my job contract will be ending in a couple weeks and I am now being threatened with litigation but they have given me 6 months to pay off the debt but also pay my regular rent and mortgage as normal on top of £805 per month...I have no one to turn to for help and cannot get a loan! I realise my story is not as deep as others on here but if i dont reach out i will never know. I dont know how this works but all I know is I need help and even if someone can pay off what i owe and we workout a payment plan for me to reimburse you over a period of time then i am willing.