Thanks Guys for the feedback.

Terry you are right our PPR is in our own name so maybe at least I can try them again and see if we can get any reprieve. Also thanks for the insight into how banks think and where to go from here. I will just get in touch with them again and explain our situation and see is there anything they can do as you have pointed out, it isn’t a good idea to just miss a payment but I was starting to think that was the only option…

Cheers again

D