Recommendations: 0
Firstly Happy new year!

Can anyine please advise me on the following situation............ I will make the background brief by bullet points.

*Partner left me/home January 2008
*It was realised the house was in substantial negative equity after several valuations ( which has only got worse).
*Ex partner stopped paying his half of the mortgage in June 2008.
*I have been paying mortgage totalling £1125 per month since June 2008.My take home pay in approc £1700 net
*I have had to take in a lodger to assist my mortage re payments.
*To avoid approx £12,000 each debt from sale of the house I have tried very hard to keep up the repayments.
*In order to take on the( plus guarentor)mortgage in my name ,I need to clear a £12,000 unsecure loan amount that is currently over the same period as the mortgage.
*There is no way I can find such a long term loan again, any shorter term loan would mean I can not afford the mortgage in addition to it.
* Understandibly my ex will only sign the house over if I free him from both the Mortgage & unsecure loan.
*This leaves me with no other option but to place the house on the market as per my Ex's wishes all along.
*My fixed term is now up as of the 31st December......... I drop to the standard tracker rate ( saving me only £60 a month.
* I have had several meetings with the Coventry Building society.......non have been helpful
* I contacted the Building Society to request my Mortgage drop to Interest only ( my thougts are that 1. Im fed up of being so skint 2. As the house is to be sold & subsequent debt to pay, i need to bank funds to eventually clear my half of the negative equity.
* I was told the decision was being referred to ' head office' and I would hear early last week (21st/22nd Dec)
* I have heard nothing, i have chased them up but they have no record of my request
* The mortgage advisor is on holiday
* After finally getting through to ' head office' they can only make a log of the fact I called.
* My mortgage will leave my bank on 5th January.
* I do not have the funds to pay mortgage in full this month ( i thought I could have agreed Interest Only by now but the building Society are causing delays ;-(
* My ex has been difficult throughout this process and I am certain he will not agree to Interest Only
as it saves me money and it means I am not lessening the debt.
I am of a mind to cancel my direct debit and go into a branch with a cheque for the Interest Only amount. But I am worried how this will affect my credit rating?

Can anyone pls explain what options I have or throw some opinions at me to help me decide ehat to do?

Thanks in advance, I really appreciate any advice given.

Thanks
Cath