Could u please advise me of the steps involved in getting my lender (The Bank of Scotland) to freeze or defer interest payments only on my 100% mortgage whilst I try to sell the property. I have no endowment policy as I stopped paying it several years ago but did not notify the bank. I am also a full time universirty student and my only finace is a student loan. I would wlcome any advice that can be offered to help my situation. Thankyou.(posted 7747 days ago)Ian