After a 6+ month battle of trying to negotiate a change to our mortgage/construction loan with our bank, they finally backed-down & came-through this arvo.
Automated "Default" letters of demand for the FULL outstanding balance, threats to sell the property out from under us etc...etc... have put a huge amount of stress on us & our relationship.
When I explained the circumstances of the past few years & reminded them that we hadn't defaulted on ONE SINGLE mortgage payment in all that time, I managed to get onto someone who would actually LISTEN & not just follow the automated corporate checklist.
They've removed all of the construction-loan requirements from our loan & now we're on our own, but I made sure we had a "Fighting Fund" tucked away just in case. I wasn't going to give up without a fight.
Now, we get to hold onto our property & the home I'm building (pretty-much solo). Still some hard-times ahead, but at least the emotional pressure of dealing with brainless bank automatons is behind us. The relief is absolutely immense. It's been a hard-won battle, but it's all been worth it.
It's Summer Solstice & currently, we have a wonderfully gentle, cleansing/soaking rain falling outside as I type..... Appropriate, eh?