I need advise please. Our house was being reprocessed by the Mortgage corporation, i moved into my mothers house with our 2 small children and he stayed in the house. I went into shared ownership until 2003. I was contacted by the collection agency in 1995 and began paying monthly payments. I kept this up. In 2003 I moved to a new house with my new partner I kept up with payments but on occasions was late with payments. I also forgot to advise them of my new address, but kept up payments though. I have now received letters from solicitors called Edwards Geldards requesting a lump sum of £17,000. I advised i can only afford £8,000. they have declined and want £10.000. My ex partber paid them £7,000. Edwards Geldards now want to put a charge on the house. I am in the process of writing to The mortgage corporation direct explainging what I can afford, what do you think? How do charges work - Can I still request to pay a one lump sum after a charge has been put onto my house? I have two children who are dependent on me. my ex has stopped paying maintenance as he now has 2 children with his new partner. My new partner has 1 child living with us. Its not like I am refusing to pay I am trying to settle but only what I can afford.(posted 7169 days ago)can anyone advise me. thanks