Unfortunately for you the bank see you as a payer so they will say this. The only way to get their attention is to stop paying. How important is it (really) to you to keep your nose clean i.e. not go into arrears. Can you see yourself affording or even wanting a mortgage in the next seven or eight years ? If the answer is no, then stop paying and save the money up for a rental deposit and rainyday fund. Then after a few years after the legal process is exhausted forego the property and start living life again. Just my two cents worth.We are deemed by our provider as capable paying customers from a recent standard Financial Statement we submitted. What should we do next?
It seems bizarre that Kerrigan has to strategically default on his mortgage and ruin his credit rating simply to negotiate a term extension to his home loan.
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