US citizen returning home - Bank Ignoring the Circumstances

Brendan Burgess said:

At this stage, I would be tempted to pack your bags and head off. I am not sure , I would even bother telling them. On reflection, send them the keys and a letter setting out your attempts to resolve the matter.

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We have had a set date for leaving from the beginning so it is now looking like abandonment is going to be the remedy. We set a date for reply with a reasonable proposal but there is a good chance the buyer is going to say forget it if there isn't any reply within a week. The bank knows all this and although I have offered to meet in person to help the process along, they seem to be intent on dragging their feet.

I'm pretty much prepared for the nuclear option and am documenting accordingly.

Thanks for everyone's feedback.

PS I paid everyone involved (except the bank) costs so I'm not screwing anyone over (again, except the bank) even though we don't really have the money.

Just an update - The bank responded to my final letter and essentially said "it was against policy" to do any deal whatsoever.

They will only accept a payment scheme we clearly cannot afford so we have been left with no choice but to give back the keys and not pay a penny of the negative equity.

We are currently putting together all of the backup documentation to show the ridiculousness should it ever actually come back on us but we are at the point where it is time to just move on (our move is coming up quick).

Thanks again to all.

Good luck in the US Steve, hope all goes well for you.