Jump to content


Tazbot

Help needed urgent - been laid off work and worried

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2477 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all

 

Not sure where to post really so though I would try here first.

 

Been laid off work last week. Was working for an agency, full time for about 7 months and last week we were laid off until further notice. We didn't even get a hint of any up-coming work.

 

I'm in a bit of a panic now 'cos although I've been paying my mortgage in full, I am nearly 6 months behind. Halifax were kind enough to let me pay my full contractual payment which was easy when working but I couldn't afford to pay any more to decrease the shortfall. I'm also in arrangements with my other creditors from the past. On top of all this, I have the usual bills to pay, Council Tax, Water Rates, etc etc

 

As much as I want to find a job today, I know it will be hard securing one. I'll do anything to earn some money to keep the house etc.

 

I phoned Halifax and told them I could only afford a 3rd of the contractual payment and they've refused because of my shortfall being nearly 6 months worth. They've past my file onto some team within (can't remember what she called it) and said the team would be in contact shortly (this was last Friday).

 

On top of all this, my mum is dying of cancer :-( and I'm at my wits end now worrying about everything. I cannot sleep at night thinking I'm gonna lose a lot very soon.

 

Where do I start to try and appease my situation?

 

Any help would be appreciated thank you.

 

Alan

Share this post


Link to post
Share on other sites

I have moved your thread to the Mortgage forums and your thread has been flagged for site team assistance.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

All other creditors, are low priority, so your budget should focus only on the priority bills such as council tax/utility/food and of course the mortgage.

 

You should be keeping all communication with the Halifax to writing now. Sadly they are simply not to be trusted on the phone.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Whilst you are waiting for someone to help.. have a read round other threads in this forum and I have attached some links for you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?195648-The-new-Homeowner-Mortgage-Support-Scheme-is-now-launched-great-news-for-those-with-a-temporary-loss-of-income.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?323150-Mortgage-arrears-and-Financial-hardship-guidance-from-the-FOS

 

Mortgage companies are supposed to be signed up to a Mortgage Scheme which should be helping if someone hits a temporary hiccup.

 

What type of mortgage do you have - interest only or repayment?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...