Lisa,(posted 7723 days ago)There's no need to be scared, just take it step by step. It sounds like you would be better to get more direct help. I would suggest you give the National Association of Mortgage Victims a ring on 01889 507394. There web page is "http://www.namv.org.uk/". I would recommend ringing rather than emailing. In respect to SARNING read item 3 under 'After they contact you and demand cash' entitled "Serve a Data Protection Act notice on the lender before you do anything else." on the Home Repo Do's and Dont's page. You can find a sample SARN letter there too. Make sure you read the Home Repo advice. Previous postings give a lot of info too.
Mark.