Problem: Daniela is the sole registered proprietor of 'Dunroamin', a cottage she purchased 10 years ago for £350,000 with the help of a £300,000 loan from the Bank of Wessex, to be repaid over a twenty-year term. House prices have since dropped, and 'Dunroamin' was recently valued at only £300,000. Daniela is a retired company secretary and has been using her pension income to pay the mortgage. However, the value of her pension has also fallen over the past year, such that she is now behind with her repayments in the amount of £70,000. The Bank has written to say that, because of her default, they plan to take possession of the property and sell it to recover their loan. In a letter they state: 'Please note, the contents of this letter are nonnegotiable.' Daniela is distressed at the thought of losing her home. Although she is now in her seventies, and had assumed she would never have to do paid work again, she has taken a job at the local garden centre to pay off some of the arrears, but it will not cover the total amount. She seeks your advice: is there anything she can do to avoid repossession?