Hello, we are in arrears with our mortgage and are trying to get back up to date but the bank wont seem to help us. Firstly when we do make a payment they do not clear the oldest but take a bit off each payment owed (currently they say we have 6 months payments outstanding but in realtity if they had cleared the oldest we would have about 3 and half outstanding). This way it appears that we have more arrears and they said once we have 6 months outstanding then it goes for court action. Plus they are charging us daily (around 50c per payment per day so about 3 euros a day in total) in interest. To us it seems like they deliberately keep the payments "open" so they can charge interest and say we have "x" amount of payments in arrears. When we made a payment last month they didnt even take it off our mortgage and it is still sitting in our normal account despite asking them numerous times to deduct it from our mortgage. We have asked to switch to interest only and they said no because we were in arrears, we have asked to freeze interest charges and they have ignored us and now we have had another 300 euros added to our outstanding balance - we do not know what this is for or why and didnt know it was even going to be added. We are trying our best and its not like we havent been making payments as we have and will make another this week but unfortunately we cannot clear it all in one go and the charges being added daily doesnt help us. Also they made us take out a life insurance which we didnt know about until after the mortgage had gone through which costs us monthly yet we have just realised that the information they submitted (as we were never asked) is totally incorrect ie they said my husband never smokes and never has which is incorrect and they guessed his weight which im sure is also wrong (as for the rest I can only assume they are wrong aswell but unfortuanetly it is in spanish). Surely this is bad practice and we are paying for something that is wrong. We would really like to know what our options are. Unfortunately we would probably owe more than the property would sell for so we would be in negative equity. I do not work nor claim any benefits so I have no proof of any income and my partner has only just started a new contract abroad so doesnt have much proof yet either. We have worked out that we could probably clear most if not all our debt by christmas but the bank will no longer talk to us or try and help us. If they just stopped their charges would be a great help but they refuse to do so. What can we do?? thanks