yes i have asked the bank to write down the mortgage under the circumstances but they declined and said full mortgage was payable 350k. I will keep going back to them! i'm hoping they will write down part of the mortgage to what i can afford but was told banks arent doing personal writedowns (if i was a commercial loan they would).. id rather go down this route but if that fails i need another option! And double deb im self employed and use my phone a lot due to my role (its between 120 and 130) last bill was 138, however i have got it cut with the same provider and hoping it will be in around 80/90 (1 year contract so cant change).. The 400 a month is to feed 2 plus 2 dogs (dog food costs 120 every month (ive tried putting them on cheaper food but the clean up after is gross) so its only 70 a week on grocerys. I have a medical card already and yes its a new mortgage protection i have set up (after).. Im trying for my bank to do a write down of some kind as even if i was to restructure extend the term im still not goin to afford a 350k mortgage on a wage of 18k. You would need a joinet income of 60/70k..