2nd charge loan

B_DOG

csgohan4 said:

Your forgetting the lender has already been reasonable by giving them a payment plan and put a charge on the property, what more do you want the lender to do? more payment holidays, more debt, for how long? Repo will always be the last resort, but how strict the lender will depend on their track record which on the OP isn't great

Of course the OP can plead with the lender and make a complaint as is their right, but that there may be a risk this could be rejected, but lets hope not and OP has nothing to lose to do so. 

Wish you all the best OP

Your exact words were "the lender is under no obligation to be reasonable" which is (clearly) BS.

Whether they have been "reasonable" or not as defined by the nanny state is a judgement call. You think they have, I think they have not. You clearly have no idea of how these things work mate.

You seem to be under the delusion that we live in a proper free market society like the US, with the onus on personal responsibility, but we don't.