NRAM broke Mort holiday payment! Advice?

malo50

Jimbo_999 wrote: »

All,
An Update for this, since July when I last posted.

Have saved and saved (well sent the Mrs out to work lots) to get the £540 arrears paid in time for payment holiday for xmas to make it nice for the kids.

Called NRAM beginning of October, card in hand ready to pay the £540 and discuss options:
"Sir, our mortgage break options have now changed, would you like 1, 2, or 3 months payment break?
I will check our system, it seems that you qualify for 2 months payment break would you like me to process this?"
"Errr... Ok, what about the payment arrears?"
"We dont ask for arrears to be paid off now in order to make a payment break as long as you have continuous full payments made"
:mad::mad::mad::mad:

So we had to cut holiday short, work like dogs for arrears, and - oh, it's changed!

So paid off arrears anyway as we had the money, took the break, good Christmas coming up, typically 2 weeks later the car breaks down looks like i need a new one, but thats the way it goes isn't it?

Just wish I could re-mortgage - maybe one day...

Goods luck all!

What you could have done was all of the above anyway to pay your arrears off. You were extended an underpayment arrangement and still feel you deserve a payment holiday. If you can't afford the mortgage, move.

Thrugelmir

malo50 wrote: »

What you could have done was all of the above anyway to pay your arrears off. You were extended an underpayment arrangement and still feel you deserve a payment holiday. If you can't afford the mortgage, move.

You've answered a post made over a year ago. :cool: