Hi all, I am looking for some advice, I had an agreement with my bank about my mortgage. They offered me a split mortgage which I have been paying for a few years now, my mortgage has been sold on to a vulture fund last year. They have to honor the agreement I had with my bank with reviews every year. My situation has changed, I can no longer work due to health reasons and cannot see how I can continue to keep up the repayments. My question is can I surrender my house to the vulture fund? My house is still in negative equity, if I surrender my house and they sell on the house am I liable for the shortfall? or do I make myself bankrupt? I have no other funds or savings or debts. I am trying to figure a way out of this without still having a debt to pay back (which I cant afford) while at the same time giving up my home. any advice from people in the same situation greatly appreciated.