Halifax and mortgage arrears

[merelad]

Hi,

i have had mortgage arrears for a number of years never been able to control them(approx 6k).

 

due to an upturn in trade earlier this year i managed to get them down to £234

then a catastrophic business deal dumped me straight back sq one

unable to pay the mortgage again

 

 

i rang them and told them i would not be able to pay the up coming payment.

 

i was advised that if i cleared the arrears before the next due payment i would be entitled to a review of my account

to see if i could get the payments down to an affordable level.

 

i did this only to be told that it wasn't true

the nice lady from complaints took £100 off the arrears

and put £200 into my private account,

 

 

she said they should of said

 

 

"i pay off all the arrears and one full months mortgage payment then i could have the review".

 

she made sure i had no savings and no way of paying the extra

 

 

i then received a letter saying my agreement for reduced payments was at an end and i needed to make another

which i did .

 

i knew this was my busiest time of year and went hell for leather to meet the all the arrears and one months payment option

by the skin of my teeth i succeeded.

 

previously i have had arrangements go wrong because i paid on card and they say this takes 3 days

at this time i was told that if i paid cash into a halifax branch it would show immediately. ( which is what i did )

they now say cash payments don't show for 24 hrs!!

 

in the sure knowledge i had covered all the bases

i rang them

i seem to have rattled the cage

i don't think they expected me to meet there criteria and don't want to give the review i so desperately need

 

 

my payments have jumped from £695(interest only which they have taken away as an option) to £1380 a month and simply can not afford it.

 

i dont want to go into arrears again

 

 

i need some advice what do i do next

 

 

i have to phone them tomorrow but can already see where this is going any ideas how i should approach the matter.