Hi, thanks for replies. Have already been to MABs 3 times, told me to just continue paying what I am and to tread water like everyone else is doing, but I am not treading water, I am drowning.The house I am living in isnt even finished, there is no insulation, kids are walking around on concrete floors, there is no groundwork done. I even met up with my local TD and explained my situation, he promised to get back to me, but never did. The community welfare officer told me that as soon as inspectors find out that I will not be able to make full payments on mortgage they will stop my mortgage interest supplement. My G.P has put me on anti-depressants now. My ex said hand back keys and get a nice house from the social, this will absolve him of any responsibilty for his 4 kids. My parents are elderly and living off their pension and trying to help out when they can. There is no one else to turn to. Letters from the banks becoming more demanding, dont know where to go from here.