GE Money - arrears - payment arrangement HELP!

[redgirl]

Hi

We have never ever been in arrears with our mortgage. My husband is self employed and has had a bit of a blip with money coming in this month. We have not made the payment which was due on 1st July.
We are getting back on track, and if we did not have this payment outstanding, we would be ready to make our usual payment on 1st Aug.
What I am wondering is if anyone could give me some advice on contacting GE, and asking them to allow us to add the missing payment onto the loan or make a payment arrangement, are they likely to go with that? Preferably to add it to the loan...
Your advice would be greatly appreciated.
Thanks

[Ell-enn]

Hi there, if you have never been in arrears with your mortgage then you have every chance that your lender will co-operate in allowing you to add the month you miss onto the end of the mortgage. If not, I'm sure they will agree to you paying a bit extra each month until you catch up on the missing payment.

You are doing the right thing by contacting them straight away, it's always best to do that - they will know then that you are serious about coming to an arrangement.

Whatever you agree on the phone, make sure you get the name of the person you speak to (and ask for the correct postal address) and follow it up in writing - saying you are writing to confirm the conversation on (date) with (name) when you agreed to (whatever you agreed). Send the letter by recorded delivery and keep the receipt with a copy of the letter.

Also ask them to confirm in writing.

I am sure you will be OK.

Kind Regards

Ell-enn

[redgirl]

Thanks for that.

I am going to give them a call and ask if the arrears can be put on the back of the mortgage.
what I am wondering though if how that affects things. For example, are you always showing as being in arrears or if they let me do that, will I look up to date again.
Thanks
redgirl