Back in 2007 I purchased my first home, a two bedroom terraced house, for £225,000 just before the global financial crisis. Within a year of buying it, with a 90% interest only mortgage, its value had dropped to £90,000. At that point I was in a relationship with my now husband and wasn't immediately concerned as we were happy in the house and had no desire to move anytime soon. Fast forward 9 years and three children later and we had outgrown the house but felt that we were trapped there because of the huge amount of negative equity in the property. At this point in 2016 the property was worth £110,000. I had initially seen an advert in a local magazine for Negative Equity NI and was intrigued and a little skeptical as to how they managed to right off so much property debt for their customers. I contacted them and my husband and I had an initial meeting with Tom who outlined how the process worked and put us at ease. Following the meeting we took a while to think things over before contacting them again as it all just seemed too good to be true. A few months later we decided to go ahead with the £300 case review. Initially it looked as though I should proceed with an IVA. However part way though the process it was decided that a negotiated settlement was a better solution for me. It took a long time for me to decide whether to go down this route and I had all but decided to rent out the house when Tom spoke to me again and convinced me that a negotiated settlement was the way to go. At this point my family were also moving into a new home that suited our needs much better. It was a big weight off my mind to know that I could stop paying the mortgage by voluntarily surrendering the property to the mortgage company. I made my last payment in January 2018 and the house was sold in August 2018. The total debt owed was £98,000. At that time Heather looked after my case. Initially contact was good but there were periods of months where I received no updates and wondered if my case was ever going to be resolved. In the last parts of the negotiation John was appointed to look after my case and he really kept me up to date on a regular basis about what was happening. I'm pleased to say that my case was resolved in October 2019 for £20,000 which I am relieved about. At times the process seemed arduous but I'm so happy that I stuck with it and got a good result. I would highly recommend using this company to anyone who is in a similar predicament.