My bank (Bancaja) has refused my offer of Dacion en Pago, I have defaulted three payments since the refusal but the bank no longer answers my Emails, I have no money to pay, the property was valued one year ago by the bank at 130000 euros, the outstanding mortgage stands at 80000 euros, could you help with this matter please as I have no idea what is happening, I sent the property keys back to the bank three months ago.