I am involved with horses and the Livery yard where I keep my horse is in financial trouble since the recession but they have managed to keep the business viable to date. The financial issues are largely related to the mortgage on the business premises, as it is in negative equity to a large degree. In the last few months it has come to a head and the bank have appointed a receiver. The yard went on the market briefly priced at 25% of the mortgage but after a court appearance the yard owners were granted a protective order to give them time to come to an agreement with the bank. Just after Christmas the bank rejected the last offer put to them. The yard owners have been working through a debt solution company to help them get an agreement with the bank. The whole family is reliant on the yard for their incomes and none of them work outside the family business. They have engaged with the bank since day one and although they are in arrears they always paid what they could off the loans, they didn’t just ignore the issues. There are a number of us in the yard that want to help them in anyway we can. We each pay them a fair amount each a month and we don’t want the yard to close. Is there anything we can do to help at this stage of the situation? Is there anyone they can turn to now for help to help them get a deal with the bank? Is there any chance the bank will listen to them considering it is a family business and sole source of income for the family? Any advice greatly appreciated.