Mortgage Help..... please

bellissimo1

This is a bit of a long winded one, but here goes. My husband lost his job last Sept & we completed a MI12 form for help with our mortgage payments. We were constantly in contact with our mortgage lender, however we did get our self into a bit of a state! We had asked them if we could go interest only for a while & at first they said no, but it wasnt until we were over £1000 in arrears they said yes. We also set up an arrangement to pay the monthly payment & also a small amount towards the rears. However since the start of August the DSS decided that they would pay my husbands Jobseekers Allowance direct to our lender! This value has now changed 2x and it does not come close to our monthly payment! We speak to our lender at least 2x per month just to give them an update & also to make a payment, however, this morning we received a letter from the litigation department. I tried to contact them immediately but they were closed. I then tried to contact the lender who told me they could not give me any more information as it had been passes to the legal department.

I wish we had never completed this MI12 form! :-( I originally thought that it was additional help towards the interst payments not just giving the JSA that we were already getting.

I am going to phone the litigation department on Monday - I am at work so dont know when as I am trying to keep my job to pay the mortgage.

Do you think that I should phone to DSS & tell them to stop these payments going direct.

Please help, I am at my wits end & dont know where to turn to next. I really feel like a failure. I am doing all it can to keep to the agreement that we set - but as the DSS are now involved it is all to pot & we now may loose our house.

_Andy_

Whilst I can't answer your question I just wanted to say you're definitely NOT a failure. Many people encounter financial difficulties at some point and you've handled it well and not attempted to bury your head in the sand which can be the tempting thing to do.
I hope things get sorted for you

bellissimo1

Thank you for your reply. I really hope we get a good response when we speak to them on Monday.

Thrugelmir

How long did the lender you to go onto interest only for?

Are you still in arrears and are they increasing still?