I hope you eventually get your dream of owning a home..

However a few of your threads with comments about paying back money really concern me.. You mention above 'valid reason' why a debt was not repaid and things went pear shaped. When borrowing money, you need to safeguard yourself for emergencies where the debt cannot be repaid. Regardless of whether you feel your reason for not making payments on time are valid, the small print on the document you sign from the lending institution, states these conditions and the legally can do these things that you feel are harsh.