I am having a house repossessed. Luckily it is not a house that I live in but a house I bought as an investment to renovate and sell. Unfortunately the builder had a car accident and so, at the point that the house should have been complete and on the market it had yet to be started. Four house sales have subsequently fallen through - no fault of the house - and I have now been fighting to hold off Nat West for some time. A couple of years ago I suggested to Nat West that we convert the mortgage from one where the interest rolled over to a buy to let. I had a tenant - in fact I was falling over potential tenants - but they refused in favour of continuing to pressure me for the full amount. The net result is my credit rating is down the toilet and, with interest accruing at £60 per day, my equity is virtually gone.

My experience has led me to suspect that the banks are not set up to find solutions. They appear to have completely vertical departmental structures with no one having a cross departmental remit and the authority to find ways forward. I have suggested many options to Nat West but they insist on nothing but sale and a full repayment of the money at a time when there is no one to buy. Even the ombudsman said that the bank had no obligation to alter the terms of its lending.

Is there anyone else out there who has, or is, experiencing something similar? I am convinced that there are many people losing their homes because banks are not actually set up to find ways forward that might be mutually beneficial. Rather they have procedures and structures where each department does only one thing - sell, collect, litigate etc.

I would be interested to hear - not least because I would like to find a way of putting pressure on the banks to change their ways. A big ask maybe but I think this is a really important issue.