Morning
LB, so sorry you've been through/going through all of that Fingers crossed by the weekend you'll be better and things will seem a little easier.
Glask, stuffy noses deffo can be problematic. Make sure you get hold of the nurse though, she's gone nearly 12 hours without any food/liquid, don't want to worry you at all, but that isn't good. Hope you get some decent advice soon.
Ast, gardening sounds lovely And no, no Plan B, if we go down, we've lost everything. DH and I spoke about it last night, at first opportunity, we're going to go and see a solicitor and/or our FA, to see where we stand legally, and if there is any way around it, or at least how to up our chances of getting through it alive and kicking. We're going to get the house valued, but TBH I think it's a no winner, not only do we think we're very close to either being in negative equity or already there, we'd then need to find a buyer that was interested, then for that buyer to be able to get a mortgage, and for them to sell their house etc. and on top of all of that, as hard as mortgages are to get hold of at the moment, we have a non-standard build (concrete) and these houses were built just after the war as emergency housing, with a life expectancy of 50 years, that got extended for another 25 years, but we are fast approaching the point at which the life expentancy is going to be less than 25 years which obviously no mortgage company would give out on a property that could be crumbling before the mortgage is paid off, so any buyer would need to be able to afford a mortgage over a shorter period. And the concrete build just adds to the problem, we had a bit of difficulty getting a mortgage on it ourselves when times were good and there was nothing else getting in the way of it, just the fact that it's not made of bricks and mortar. I think the chances of all of that falling into place in todays climate are pretty much zero, but we have to at least try, if only so we know we did everything possible.
TBH, as much as I'd really really really rather not have it reposessed for 100's of reasons, there will be a small part of me to be almost glad to have it taken off our hands, we outgrew the house when DS2 was born, now we are literally bursting at the seams, but had been trapped here because of everything above, but it's everything else that goes with it, the car, I have no idea what we will do for a car, credit file would obviously be fucked so no chance of finance, we need a seven seater because of all the car seats, and we need the room they offer for all the crap, but we'll have no money to buy it with. And then we get on to, well where would we live? DS1's school, his friends, all of that stability for him, and the young'uns, would be gone... gorden bennit, it's so easy to rant away on here, all the stuff I almost dare not say to DH because I know how bad he is feeling, he is crapping it for all the same reasons for me, but on top of that he feels responsible for it all, and no matter what I say, he won't have it, "It's me that isn't bringing in the money" he says God, I'm ranting again, so sorry everyone
I'm going to go and stick my head in the oven.... just to clean it you understand () I will catch up properly later, wasted all my time harping on about me and my probs - sorry.
xxx