Mortage Payment

Hello Everyone.

Let me start from the beginning. Me and my wife are together for just over 10 years now, And 4 years ago we almost got our life complete. I had a steady job as a manager in Telecommunication, and my wife was working in Health Care for the elderly, and we had our own appartment in Rotterdam. So we decided to take it to the next level and decided to get married. this happened on June 10th 2009. After we got married we wanted to expand the family and started to try and have a baby, but the appartment was too small, and the area we lived wasn't suitable to raise our child(ren) so we went looking for a bigger house and put our appartment for sale, and pretty fast (august 2009) we found  us a great house in a small city called Lelystad. luckily i coud change locations and keep working at the same company and same job, also my wife was lucky to get a new job that pay'd slightly better. So we decided to buy the new house and moved there in december 2009. and just before christmas we found out we were pregnant !! but then in April 2010 disaster struck.. at 16 weeks pregnancy we had a miscarrige. And in june 2010 second disaster struck... Completely surprising, the comany that i worked for got shut down and 2700 people including me lost their job. This made us struggle financially since we still had the old appartment's mortage and the one from the new house aswell. our income and bills were just enough to compensate for eachother at that time and we hardly had any money left to buy food and such, but we managed to survive with a little help from my wife's parents. luckily i found a job pretty fast but i didn't get the salary i earned before, in fact, my payment was a little more then my unemployment payment. But i had a job again and we decided at the end of 2010 to try and have another baby. and in januari 2011 we again found out that we were pregnant ! But again in march 2011 disaster 1 and 2 struck again.. at the same time at 12 weeks pregnancy we were confronted with another miscarrige, and i lost my job again. but this time things were getting pretty bad. my unemployment payment was 30% lower then my salary and thus making our income and expenses result in a monthly shortage of ~450€ a month making us uncapable of paying the mortage of the still for sale appartment in Rotterdam. but again i found a job pretty fast and started working in a sports clothing shop. but again my salary was slightly more then the unemployment payment.. in 2 years we went down from 3400€ a month to 2250 a month. but still we managed to survive though we couldnt pay the mortage of the old appartment anymore. so besides the fact that we didn't have any money to buy food or life support in any way we were also building up a huge debt of nearly 500€ a month for not paying the mortage. time went by and in november 2011 everything was pretty steady and it probably couldnt get any worse. and then for the third time in november 2011 we discovered again that we were expecting a baby. but we also prepared ourselves for the worst, but time went by and finally on the 4th of july 2012 our family started to complete and our son Jens was born. We were so happy and things couldnt indeed get any worse. i had a steady job for almost 1,5 year at that time, my wife got a new job working only 2-3 day's a week for the same salary, that way we didnt need to spend money on daycare for Jens. But eventually when you think things just can not get any worse, i lost my job again, due to the still growing recession in the Netherlands they had to lose 250 people including me. so now things start to look really bad.. my wife with a salary of just over 1000€ and me with an unemployment payment of just over 1000€.. but our monthly bills are well over 2500€ and that doesnt include the 500 for the appartment.  but, with help from friends we still managed to buy food and supplies for the baby and ourselves. So in less then 4 years we went from a happy couple to a struggling family that has become a victim of the recession and barely keeping our heads above the water. And now today 23-07-2013 i recieved a letter from the bank that handles the mortage from the appartment.. they have withdrawn from our mortage and sent our case to a "Reposession" type of company. i cant say this in an easyer way then that the letter states that we have to pay €103.127,70 or both houses wil be put to auction to get the money and if that wouldnt be enough they would take our salary/unemployment payment as long as it takes to pay the full ammount.

this basically means that if i do not pay that ammount of money before 03-08-2013 i will be a father with his wife and son having to find a new place to stay with friends and/or family from time to time.

We really need your help.

Sincerely yours, 

Danny Ponsen, Lelystad, The Netherlands