This can't be right...

Life at the moment, could be better.

As I explained in my earlier posts, my home was repossessed back in March of this year. I was, at that time, in a women's refuge and this was a very difficult time for me.

At the time of repossession my flat was under offer and the sale was progressing well but this was not enough for the mortgage company to halt the repossession and because they insisted on getting three further valuations, which took a considerable length of time, my sale fell through.

They then revalued and re marketed the property and in April they had a new buyer, I was waiting to exchange contracts for 6 months and then, at the last minute, the buyers withdrew.

Since then the bottom has fallen out of the housing market.

I was informed last week that for the last nine months I have been liable for mortgage payments even though my home has been repossessed and this will be added on when the property is finally sold. Also I am liable for all ground rent and maintenance payments on the flat.

If this wasn't bad enough, the fire escape has now been condemned and therefore no-one will get a mortgage on it until it is fixed. This is the Free-holders responsibility but will be taken from the leaseholders maintenance payments. I will therefore be responsible for my portion of the costs. Even though my flat is on the ground floor and doesn't use the fire escape.

All the time it is not sold I will still be liable for the continuing mortgage payments.

Because the flat is now worth considerably less than its original value. My £2,500 debt has turned into nearly £100,000 and I will be left with nothing at the end of it.

When I got into debt it was because I was suffering from anxiety and depression and was therefore unable to work.

It feels like I have been penalised for being ill and for my lack of ability to cope at that time.

Surely this can't be right.

How I am managing to keep going amazes me. There is only so much a person can manage. I am now at the end of my rope.