need advice an early settlement

rogue22

my mother in law has an interest only mortgage with the halifax and recently recieved aletter stating that the full balance is due in 4 years time and if settlement is not made then they will reposess
Now unfortunatly my father in law suffered a severe stroke and is now disable they have had to leavethere home and enter a council bungalow,
now the halifax arestating that although the complete payment for their mortgage is iminent they are trying to charge her 49k for the 40k initially borrowed it this anyway right
could someone please help me
thanks

CloudCuckooLand

Have they taken any payment holidays?
Missed any payments inadvertently?
Made any partial payments occassionally?

Can they not sell their home, clear the mortgage and pocket the difference as they go into the bungalow?

If they've been there a long time, presumably 21 years if 4 years to go, they've gained approaching 200% despite the recent 20% price drop.