Hello thankyou for your answer, the morgage was taken out after i had bought the house without my knowledge, and i had problems getting a Tapu, i paid for my house via bank transfer and i had a contract with the seller, but whilst i have been trying to get my tapu he had taken out a morgage and only paid a few payments, then the bank put the house up for auction and it sold for a very small amount,i have asked the solicitor to get the seller to give me back my money but he hasnt got any, they have given me a letter to say that i will get my money back from them but i need now this is so unfair, i did everything correctly with contracts and noters and i feel this is so wrong.