My friend was repossed in similar circumstances and has just checked out a new company called loancheck, who reckon up to half of repossessions could be illegal practice or simply avoided. You check your own mortage online for free, it tells you if you have been overcharged and if you have, you may actually be owed money by them! My friend was repossessed last year but they can go back six years. It's worth a go. Ostrichonline.co.uk offer the servcie.(posted 7749 days ago)good luck