Just looking for advice in May 2012 i lost my partner and unfortunately we let the mortgage protection lapse so my mortgage of 350,000 was not covered with bank of scotland... I am now a single parent to a 3 year old. I paid the mortgage for the 1st 3 months but then stopped paying it in sept 2012 and havent paid it since as simply couldnt afford to he was the main earner.. I got a letter to say my mortgage has been transfere to start mortgages.. When we originally took out the mortgage he was the main earner and the mortgage was roughly about 1100 a month and he paid it as the mainer earner.. i am self employed and earn less then 18k a earn combined with single parents allowance.. So on this income cant afford the current morgage realistically.. I am just looking for advise what my best options are?? i presume start will start issuing repossesion so my best option would be to volantarily surrender the house?? I would think they would get about 22000 due to negative equity so leaving a balance of 130,000... What are my options after this??? bank writedown?? personnel insolvency?? or bankruptcy?? i would really appreciate the advise as i really dont know what to do and what my best option would be?? if i agree to volantarily surrender/sale would they give me 3-6 months to get out and find somewhere new??