handing my keys back to mortgage company

dell2001

Hi everyone im new to this but really need help!!!!! im currently in a trust deed for all my unsecured debt which I was paying £480 pm this was my husband as well. I have a secured loan on my property which I have fallen in to arrears with and they now want double my original monthly payment now £1068. my trustee has reduced my payments to £200 however im struggling big time I hardly have enough for basic essentials such as heating and food at times. im so depressed I just want to hand my keys back. my parents have been great but theyre not exactly in a position to pay my bills. they have said myself husband and 2 children can go live with them. im also in arrears with my mortgage £968. Please can someone give me some advice. I have an app with citizens advice but I was told because I have a trust deed there wont be much they can do.

*Robin*

Hello Dell, :hello:

Sorry to read that you're struggling. This is the Diaries board, where you'll find plenty of support on your journey, but it might be a good idea to post again on the Debt-Free Wannabe board for more specific suggestions as to first steps:

http://forums.moneysavingexpert.com/forumdisplay.php?s=&daysprune=&f=76

Good luck!