crisis loans

babybean

Has anyone got a crisis loan lately? my situation is that my partner has left us, have put a claim in for income support and should get help paying my mortgage after 13 weeks. can't even speak to ex and need to somehow cover the mortgage for 13 weeks on my own. Just wondering has anyone ever got a crisis loan to help with mortgage? would it be allowed? Have no savings or family to help me out and am don't know what i can do? am also pregnant and can't cope with much more stress!
any advice?

marydot

Hi Babybean sorry to hear your problems .I found some info for you to read and try and put your mind at rest, I am sure someone will come along and help you soon. Dont try to get upset as it make you feel worse, just remeber theres always help out there and ppl on this forum are more than willing to help.
http://www.dsdni.gov.uk/index/ssa/ssa_phone_services/ssa_crisis_loans_claim_line.htmlink for you to read in the meantime.

cattie

Have you spoken to your lender to explain your situation? Most lenders are quite helpful in times of trouble such as yours & may be able to offer you a payment holiday or allow you to switch to interest only mortgage.

Whatever you do though, do keep your lender informed, especially if you feel you may go into arrears as they can only help you if they know your situation.

babybean

thanks for the posts. looked at the site and see it says you can't get a crisis loan for mortgage payments so am stuck. Can't get the budgeting one either as have not received benefits long enough. Not looking good!

Urgent_advice_needed

Speak to your mortgage lender and ask them to defer payment until you can get help with the mortgage. They will tack this on at the end of the mortgage term.