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Northern Rock unsecured loan....PLEASE HELP
shabz2
Posts: 8 Forumite
PLEASE HELP ME.........
My husband left me in July and i have since had no word from him and have no idea where he is....i have had a message from his family saying i can keep the house if i can pay the mortgage he wants nothing to do with it....here is the problem and please bear with me as it is a little long winded...
I am on Incapacity benefit and have fought with income support since august about my entitlement to help with the interest on my mortgage, they finaly agreed in December that i am entitled to £360 per month...up till december i was up to date with all mortgage repayments...now heres the tricky bit....i have a together mortgage with northern rock and the payments are £300 for the interest only mortgage and £60 for the unsecured loan part of the mortgage......i was assured by northern rock that any money they recieved from the DWP would be allocated to the mortgage first and the unsecured 2nd.....which works out fine, means i dont have to pay anything extra ( which i dont have anyway ) and they recieved £1900 in back payments......now....in the last week i have had 2 letters and 4 phone calls from Northern Rock telling me i am in arrears on the unsecured loan and they are not allowed to take any money from the £360 to pay the unsecured part of the loan the surplus £60 each month will go off my mortgage.....i cant afford to pay this £60 each month and dont know what to do....i have NO spare cash and live on £400 per month of which £265 is taken up by essential bills...gas, lecy , water , tv lic etc.....the outstanding amount on the unsecured loan is £12,569 and since the day my husband left i have phoned northern rock twice a month to keep them informed of the situation as advised by MSE and they have been great...till now....I cant cope anymore and am suffering with severe depression and anxiety....i am also seeing a psychiatrist after making suicide attempts...........
I know everyone is in a sismilar situation but i need advice on this and how to handle northern rock....they are threatening me with court action already.....
By the way the house is in negative equity by £10,000 !!!!!!!!!!
My husband left me in July and i have since had no word from him and have no idea where he is....i have had a message from his family saying i can keep the house if i can pay the mortgage he wants nothing to do with it....here is the problem and please bear with me as it is a little long winded...
I am on Incapacity benefit and have fought with income support since august about my entitlement to help with the interest on my mortgage, they finaly agreed in December that i am entitled to £360 per month...up till december i was up to date with all mortgage repayments...now heres the tricky bit....i have a together mortgage with northern rock and the payments are £300 for the interest only mortgage and £60 for the unsecured loan part of the mortgage......i was assured by northern rock that any money they recieved from the DWP would be allocated to the mortgage first and the unsecured 2nd.....which works out fine, means i dont have to pay anything extra ( which i dont have anyway ) and they recieved £1900 in back payments......now....in the last week i have had 2 letters and 4 phone calls from Northern Rock telling me i am in arrears on the unsecured loan and they are not allowed to take any money from the £360 to pay the unsecured part of the loan the surplus £60 each month will go off my mortgage.....i cant afford to pay this £60 each month and dont know what to do....i have NO spare cash and live on £400 per month of which £265 is taken up by essential bills...gas, lecy , water , tv lic etc.....the outstanding amount on the unsecured loan is £12,569 and since the day my husband left i have phoned northern rock twice a month to keep them informed of the situation as advised by MSE and they have been great...till now....I cant cope anymore and am suffering with severe depression and anxiety....i am also seeing a psychiatrist after making suicide attempts...........
I know everyone is in a sismilar situation but i need advice on this and how to handle northern rock....they are threatening me with court action already.....
By the way the house is in negative equity by £10,000 !!!!!!!!!!
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Comments
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What part of the country are you in. as various localities have set up debt agencies etc?......0
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Im in the North West.....0
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Im in the North West.....
As I don't know where you are ie Liverpool. Manchester etc I can't be specific. However click on the link below...then click on the various agencies to find one in your area and make contact.
Money Advice Trust - Our partners
http://www.moneyadvicetrust.org/content.asp?ssid=9
Money Advice also have a section Debt and Mental Health Resources
http://www.moneyadvicetrust.org/section.asp?sid=12
On this site you will find a section
Debt-Free Wannabe
http://forums.moneysavingexpert.com/forumdisplay.html?f=76
Post on there also ......you will find people very welcoming
Do you have a community psychiatric nurse or social worker?...If not ask your psychiatrist about this....take care and get support...:)0 -
Thanks.....i am getting great support from my social worker and am also going the CAB on Monday.......
Just gets too much sometimes ........thanks again0 -
No probs....remember the other forum they're great for helping you save a little and they're a friendly bunch you can have some chat with...no need to be alone..0
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