Many thanks to Bob, Tom, Lesley & Adele. I had been sold two "pig in a poke propertries" for part of my retirement fund that left me having to keep pumping money to maintain the properies for suitable tenants. I had been stressed out for last 10 years trying to keep on top of this investment. Last April 2016 I was left with no way to resolved this bad investment as more money was now required to replace the bolier and sort out the dampness, Coming close to my retirement date I had to walk away. After being recommend to Negative Equity and discusstion with Bob who agreed to take on my case. My life has now change 100% for what Tom had discussed at our first meeting had ben furfilled saving me 64% of my total debt to the lender including the mortage arrears and legel fees . I had no dealings with my lender, selling both properties and all the legal expenses, as this had been dealt successfully by Tom's team. I would highty recommend anybody out there who need advice regarding debts to talk to Negative Equity as my regret is not doing it sooner............Gary