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jock_munro

Halifax Mortgage Arrears - possible CCJ

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Hi there.

Apologies if this is posted in the wrong thread, or this subject has been covered many times over.

I will give you a brief overview.

 

I have built up mortgage arrears with Halifax, (approx £5000).

At present I cannot pay them the agreed monthly amount, let alone clear any arrears.

I have been on a plan with them and have been making token payments.

 

However they have now withdrawn that plan and have said that unless I pay the agreed monthly amount they will commence legal action against me. I am keep to avoid a CCJ and even worse, repossession.

 

I am hoping to sell my house at the end of Summer, at which point I can pay off all my debts.

Halifax are aware of this, but they are not being flexible at all.

 

I always phone them and respond to their correspondence and have made it very clear that I am willing to make payments, but right now I cant afford to pay off the agreed amount each month.

 

I am new this, so the threat of legal action has really shaken me.

 

I cant afford to make the agreed monthly payment right now, and it looks like unless I do this Halifax's legal team will proceedings against me.

 

Has anyone been in this situation ?

If so, what timescales are we talking about ?

 

Surely Halifax has a process to follow, appoint solicitor..etc.. before this even gets to court ?

 

I simply cannot get the money together to pay the full monthly payments at the moment.

 

I would like to know what options I have open to me.

 

Any advice would be appreciated.

 

Many Thanks

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you don't get CCJ's for mortgage arrears...!!

 

repo or nothing.


..

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