The Prime Minister is urging the banks to do their best to keep people in their homes, as the levels of housing repossessions rocket.
They would rather evict me and my children than allow me to stay and pay my mortgage
The Council of Mortgage Lenders says repossession is a "last resort" for its members.
But BBC File On 4 has found one case where it is alleged one of the country's largest mortgage lenders refused to do a deal to keep a borrower in their own house, even when a judge thought the deal made perfect sense.
Sharon Amato has been living with the dread for the past few months that she and her two children would lose their home.
Sharon, who has spent 24 years with the same employer, currently earns £33,000 annually, but her suggested solution to her mortgage arrears was rejected by her bank HBoS.
"It really, really scared me, I've tried to do what I can but I seem to be banging my head against a brick wall," she told the BBC.
Her troubles started last year when her husband gave up his job so they could open a restaurant, but it failed leaving the couple to pay rent and mortgage on the restaurant as well as the house.
Sharon had never missed a payment on the home mortgage, which was taken out in the 1990s, but began to fall into arrears.
The marriage cracked under the strain and she has been facing eviction along with her two children.
Fortunately her house is worth far more than the £150,000 mortgage.
"I said to the bank, I'm willing to carry on paying my mortgage can you put my arrears onto the end of the mortgage and extend the term."
The deal she claimed was refused by the bank would have cut her monthly payments from £1,115 to £700/800.
Find Out More
Listen to File On 4, Radio 4 Tuesday 25 November 2008 2000 GMT, repeated Sunday 30 November 1700 GMT
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