Fuming with NORTHERN ROCK

becky678

:mad:Today i called northern rock to make my monthly mortgage payment. I called to make a payment for my last months payment, but could not pay it in full. I explained that i am waiting for my end of month wages for last month and that i would pay the remainder £64 on tuesday. He told me i was £507 in arrears. I told him this was the first ive heared of it and that i have paid every month until today. He included this months payment in this which i told him is not arrears as my payment date is the 28th february. He was threatening me, shouting over me, telling me my house was at risk from being repossessed. He was even laughing. As far as I know i am only £64 in arrears. I am so upset and angry. I have requested a call back but they have not called me back. I have sent them an email of complaint. What can I do about this? I do not know what his name is.
We had financial problems over the last couple of years due to loss of jobs. There have been times where we coulsnt make the full monthly payment. I had a letter to say they were capitalizing this SO WE WOULDNT HAVE TO PAY THE MONEY BACK SHORT TERM. The man said this uts our property at higher risk, is this correct?:mad:

Cannon_Fodder

If you have missed past payments, then some element of arrears is likely to have built up, unless you adjusted later payments to "catch-up".

You say your February due date is 28th February, but that you called today to pay January? Sounds like arrears, too.

The issue with the behaviour of their operative needs to be separated from the arrears situation. Let that complaint run its course.

Get paid up to date, asap. Despite his appalling behaviour, he is probably correct in the simple facts.

Its not always about how much in arrears, but that repeated, inconsistent payment history will count against you.

Have you sought any of the assistance available?; http://mortgagehelp.direct.gov.uk/

becky678

I paid my mortgage today for january minus £64 which i will be paying tuesday. That brings my payments up to date. I recieved a letter stating my payments were up to date but then this idiot told me i have arrears of £507 out of the blue when ive called a few times and they have not mentioned it. I did make larger payments to repay previous debts but they kept telling me to stop it and they would just add it on top of my mortgage?