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You may be able to claim support for mortgage interest (SMI) to cover the interest on a second mortgage, but only if it was for certain home improvements. If selling your home does not raise enough money to repay the first mortgage, and any other mortgages, plus all the costs, you may still owe some money to the lender. Sometimes no action is taken. You may be able to stop this happening, but you must act quickly. You can ask for this if their figures are wrong, or if they have not followed correct procedures and your hearing has to be adjourned, or if they have not followed the pre-action protocol.
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