thank you for reply makes things abit clear, it in circuit court and solictor advised that I dont have to present, I really want to keep my home, and feel may look better if I am present on the day. But as I said also really dreading it. I think my ex wants an offer and that what he will say on the day, as I said it negative equity and I have no spare cash to pay him off, really worried judge will just order sale as it will be a battle, house for sale for two years in area not a hope in it selling, greateful for anyones thought or experience of something similiar.