good luck kathy,Iwill be thinking of you, we may be in that position soonalso if this cottage isn't sold quickly. my hubbies redundancy andmy illnessput paid to our comfortable lifestyle, now i tend not to worry and leave our fate in the hands of the gods, Iknow your childrenare a lot younger than ours and I feel for you. I really hope the nationwide help you, that's who we're with, we're suing them for charges at the moment so we're not in their good books, but we've been with them for 20 years and they've been very good up until recently.(since we've been struggling)

good luck, fingers crossed.jinny xoxoxoxoxoxo