I am recently separated from husband (abusive relationship) have 4 small kids, have 2 mortgages in joint names both of which in arrears and both on reduced payments. Family home has 385k (had been building it for last 7 years) other house which we lived in upto 2 years ago and tried to sell just as bubble burst 285k. Am getting mortgage interest supplement of 91.40 per wk and paying lender 500 pm on family home, other property rented out and paying 400 pm to other lender.I am getting maintenance from ex, but know that I will never be able to pay back mortgage on family home. If I moved back into rented prop (my parents said they would move in with me and help with mortgage) I may just be able to manage interest only pyts. I really dont know what to do? Ex wants to hand back keys on both (he has severe mental health probs and does not want the stress or hassle).Should i wait for repossession? Both properties are in negative equity. If lender repossessed family home could they apply charge for any monies owed to other property if i moved back there. I dont know where to turn to, am having to deal with it on my own as ex doesnt want to know, am making myself sick with worry