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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However they have now withdrawn that plan and have said that unless I pay the agreed monthly amount they will commence legal action against me.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.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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