Yeah, they can't consider that, can they, really?

Okay.

Yeah, yeah.

Perfect.

Okay, wonderful.

Alright, I'll wait to hear from you then.

Okay.

Thanks a lot.

Thank you.

Bye-bye.

I've just had a chat with Paula.

It's not that bad news, to be honest.

In the worst case, we'll be £300 a month worse off with the payments.

She's also doing research and chatting to them now about various ways of reducing the payment for six months or 12 months, for now anyway.

You're allowed to do that by law, but I don't want to do anything that'll make...

I've been so scared that my change in circumstances would have been a risk, but it's not at all, provided we're still with Santander, and her research has shown that for us, Santander is still the best rate anyway.

Santander don't mess about, they offer the best rates to previous customers, so nobody ever leaves Santander, we will almost certainly be with Santander forever, until it's all paid off, so the only risk we have is general interest rates as it is for everybody in the world, and actually, the mortgage market is in a bit

of a dip at the moment, so all things considered, it's the best it can be.

I talked a lot about my struggles and my situation and debts and things like that.

We're in a good position because we'd overpaid quite a lot in the past, so our mortgage will end earlier than the 22 years that it's officially still in place for anyway, and they are very helpful when people are struggling, to adapt it, to enjoy some of the benefit of the overpayments now, with possibly a lot

a lot of payment for a certain period.