We had arrears and also negative equity although I can't say how much exactly. Our original mortgage loan was for £78,000 and we were told that they sold the house for £72,000,(we only found out about the sale of the house 2 days ago when my partner phoned up) I reckon that we must have paid about £60,000 over the 10 yrs that we had the house,I know they don't take this into consideration as it is just interest, but they should. We always kept the Halifax up to date with our financial situation and asked them for help on many occasions, for example "did they have a special scheme to help out people like us who's mortgage was getting out of hand" we were told that we weren't in a bad enough situation, then a couple of years later they repossessed us! Before they repossessed us we were submitted to 3 monthly ritual humiliation sessions, where we would have to tell them all of our incomings and outgoings and they would tell us things like, we could only spend £5 a month on treats for the kids. After we were repossessed we had to live in a homeless hostel whilst we waited for a council place, although this was a terrifying prospect at the time we were so relieved to be rid of the house. It wasn't so bad in the hostel, I don't want to scare anyone who is going through repo at the moment.(posted 8384 days ago)One more thing, at the beginning we had an endowment policy, after a couple of years we were asked if we wanted an endowment holiday? we asked what that meant and they said that we didn't have to pay our endowment for a year and then when the year was up we would resume paying it monthly, our endowment was £100 a month, well after the year was up they asked us for a lump sum of - yes you guessed it £1200 so where was the holiday? We couldn't afford to pay this as we hadn't just been storing the money under the matress! We were forced into surrendering our endowment policy to pay for this debt and we had to then change to a repayment mortgage! How many others fell for this scam? We had no paper work to show for this agreement, it was all verbal!