I was in a situation with a 100% mortgage of £187,000 on a property worth approximately half of that amount (£95k) due to the down turn in the last years. The bank that I was with had a high variabIe rate of 5.99% and would not discuss new terms or provide any help with a new deal. I could not afford the payments each month and as the mortgage was interest only, there was no end in sight. I approached negative equity to help in this situation and they immediately provided clear advice and a warm feeling that they could help and seek a resolution within approximately 1 year. We made the decision to give the house back to the bank. In turn the house was sold by the bank for £95k with then an outstanding debt of over £110,000 (once arrears and costs had been added). With the help of negative equity we came to a final agreement with the bank of a £30k debt settlement, with the remaining £80k written off. This unbelievable result would not have been possible without their help. I can honestly say that I would recommend this company 100%. I am not the sort of person that writes reviews but for something of this magnitude I have to say it would be wrong not to. We as a family have now been able to move on with our lives and plan a future without this dark cloud of debt (which seemed impossible to escape) hanging over us. I am a very happy customer!!