Patrick,(posted 8425 days ago)Thanks for your private e-mail. Unfortunately this is all way beyond my capabilities, and all I can honestly say is that, if it were me, I'd look for a solicitor who was prepared to pull his or her finger out. Your problem is serious but by no means unique.
You came to this Q&A board and asked originally about the consequences of Repossession. If you have look at the 'Repossession' section of this site, you will get a good idea. If you don't have significant arrears, you need to work out how much equity (or not) you have in the house. The problem with repossession is that, as many of us have found out to our cost, some lenders don't bother to market the property properly and sell at a very low price. They then come after the ex borrower for the 'shortfall' - and they claim that they have up to 12 years to do this. The ex borrower does have some legal protection [theoretically] from this kind of behaviour, but it's often a long, stressful battle to come to some sort of resolution with the (often unreasonable) lender involved.
If the worst comes to the worst and the house *is* repossessed, you must keep proper records of what happens to it, especially regarding valuation, marketing and sale. Keep all documents, and demand that the lender keeps all originals which you may want to see, should you decide to try to reach a settlement figure with the lender.
Your story also brings it home that so very many repossessions (and the problems which precede repossession) stem from relationship breakdown. It's all a double whammy, really.
all the best, and good luck,