Ref: 1103765 We bought our first beginner home in 2007, young graduates desperate to own a home, afraid of waiting any longer. We were given a 100% mortgage, and interest only. Of course just a few months later the market crashed. We accepted (reluctantly) that we would have to stay where we were, and our hopes of life in the country diminished other than a lottery win! As our family grew we became more and more frustrated, and had already pumped thousands in to doing the house up, money of which we knew we would never get back. In passing conversation someone mentioned Negative Equity, so we thought we’d give it a go, thinking that our only option would be to hand keys back and rent somewhere, an option we weren’t keen on. From the first meeting with Bob, we began to see light at the end of the tunnel. After our first meeting with Tom, we drove straight to the building site we’d been watching in the country and put our names on our dream home! It hasn’t been a quick process, however the whole team who have worked with us, especially Lesley in the later negotiating stages were fantastic. We own our own family home, on a repayment mortgage and our credit rating hasn’t really been hit as we continued all our payments with creditors. We managed to write off 80% of our mortgage debt which had been a noose around our necks. Will be forever thankful to the CD Fairfield team - we honestly never thought that things could have worked out this well. It is a slow and often frustrating process, however very much worth it. Thank you!