thanks for the replies, seems I have a lot to think about. I have thought about bankrupcy but was unsure if we could stay in the property and still dont now enough at this stage to go down that route just yet. I will be contacting our mortgage provider and see what options they can give us. as for r...

hi, new to here and wish I'd found this site a year ago. just reached the one year mark with dfd and now have a serious problem. Both myself and my wife have changed jobs recently although this has only affected our income slightly(decrease) but our expenditure has gone up considerably, the main one...