Just to be clear, I was not doubting your experience or challenging you to post information about your situation to justify matters. I sympathise (in fact, empathise to some extent) with you in terms of what you went through. However I still don't necessarily think that it's MABS responsibility to deal with the approaches and negotiations in such a situation in spite of how difficult it is for the individual to endure and work through such a life event. I do believe that they should assist and advise in the preparation of a case for presentation to the lenders but ultimately it is up to the individual (or family, friends or professional advisors on their behalf) to deal with them. This is just my opinion on the matter. I'm not sure what MABS's "letter of the law" is on it though.