We bought our house at a particularly bad time, in April 2007 and it started to lose value straight away. To make matters worse financially, we had bought on an interest only package that we had been advised would be a good first step - as long as we changed onto a different package within two years. We were unable to make this change because the house was no longer worth what we had borrowed for it. So our situation got worse month by month, while the long term future got increasingly bleak. We couldn’t see any way out of our situation. When we heard about Negative Equity NI we thought we might as well talk to them, but didn’t expect there was anything that could be done. Some of what we were told initially seemed too good to be true. I think we might have been anxious about making our situation even worse by putting money into something that might not be all that it seemed. I’m happy to say Tom took the time to follow up with a long conversation with us – to explain how and why he had started the business and to deal respectfully with all of our questions and worries. It seemed like a scary step to stop paying the mortgage. But it was a great relief too, especially when we had an organisation with such experience tell us that they would deal with our lender. We didn’t need to worry about aggressive phone calls or threatening letters anymore, because they would take care of that side of things. We could start to believe that there would be a life beyond the financial mess that we found ourselves in. Since then Natasha and Lesley have been excellent in taking us through each step of the journey. Our case has been a long process for Negative Equity NI too – but they have never lost patience, and never been anything less than totally professional and courteous. Having gathered and presented our financial facts Lesley managed to negotiate a 90% write off of our debt. We have recently settled with the lender with a single lump sum payment of £14,000. I would recommend Negative Equity NI to anyone in a similar situation. It was the best money we ever spent to bring them on board, and given the length of time and the amount of input it required from their side, extremely good value for money. Our thanks to Tom, Natasha, Lesley and the whole team.