Don't seem to be finding any answers on all the web sites I'm trawling, but my ex has threatened me with forcing the sale of the FMH even though it's in negative equity, I have applied to the mortgage company to have him removed from the mortgage but they won't allow it, I have no one to act as guarantor and seem to be a little stuck, I have 3 kids all under 10. My credit rating is shot, coz of the debt he left me with so I'm between a rock and a hard place... anyone help out there X 3> X