Welcome to the forum pepcan.

I'm really sorry to hear that you're in such a difficult position right now.

I presume the house is jointly owned? If not please let us know. Being on a mortgage isn't necessarily the same thing as being an owner. Assuming that it is jointly owned:

If your husband is in a trust deed he can't just sign over his share of the property to you. That's basically because he's already put that share into the control of his trustee who has to take into account the interests of his creditors.

However, with the consent of his trustee, the property can be sold. If there's equity in the property (profit after selling and fully repaying the mortgage) you'd typically get your half of that amount and your husband's half would go into his trust deed to help pay back his debts.

Yes it is jointly owned.im absolutley devastated that im going to lose my home i have contributed to for 10 years

I have an appointment with the bank today to find out about the arrears.i have no clue how much.my husband has been hiding mail etc

Hi pepcan.

Even if you can't afford a solicitor, there may well be a local law centre and/or Citizens Advice employing professional people who can really help and support you in dealing with all of this.

Meeting the bank to establish exactly where things are currently seems like a really good starting point.

I do hope that things turn out to be less severe than you fear.