Many people are threatened each year with the awful prospect of having their home repossessed by their mortgage lender because they have suffered a change in financial circumstances which leaves them unable to meet the full monthly mortgage repayments.
The banks can be extremely inflexible, despite the generosity of the taxpayer in bailing them out when they were having difficulties and dealing with them is a daunting prospect. You can never get through to anyone who isn't simply reading from a script.
If you are facing the prospect of having your house repossessed then it's got to be worth contacting Repossession Stoppers. They will give you advice as well as making you a cash offer for your house.