nationwide mortgage big worry for my mum

thanksfroyourhelp

sorry have tried to draft a letter tonight but to wound up to finish it

will get something up by this time tommorow

all the best to you all

thanksfroyourhelp

hi everybody

have had a long thing and a chat with a family member who has offered to pay the money to the upcoming months mortgage payment (276.48) that leaves the account via internal transfer on the 1st of Jan.

as such this will mean that "just" the December payment has been missed as previously explained for the next payment there will not be a problem.

I am not really sure how to approach this now as the arrears still obviously need to be paid but that will be difficult, at least it is only going to be one months worth now though.

thanks in advance again

holly_hobby

Obv this will be by arrangement with the lender, perhaps they will agree to an overpayment over the coming months, until the 1 mth arrears has been cleared.

You'll only know what their stance is once you/Mum has discussed with them.

But to be fair, they won't be too hard on Mum for 1 mths arrears, especially given the circs, and the fact this is the first occassion its happened - under treating customers fairly regs, they will try their very best to mediate and come to a positive affordable solution.

Hope this helps

Holly

thanksfroyourhelp

thanks holly

i am just not sure how to phrase a letter, were to send it e.t.c now

the reply my mum has had states this is nationwide last response and if she is not happy to contact the fsa

holly_hobby

Thats in relation to your complaint of they not treating the missed payment as a payment holiday as oppossed to their current recording of it as arrears, which is different again to how they will handle the arrears situation with Mum (hope that makes sense !).

As I say you need to speak to them directly with the settlement of the os arrears.

Holly

thanksfroyourhelp

yes it does

my head is just so blurred and i can not think straight at all about all of this now

Rm-ca

thanksfroyourhelp wrote: »

yes it does

my head is just so blurred and i can not think straight at all about all of this now

Try and get some sleep tonight. You've had some great advice here to help. Maybe this is something you can take a few days to think about. It seems your exhausted. Keep your strength up.

thanksfroyourhelp

thanks rm

i am wary of time ticking but with xmas coming up i suppose it is not as important as i think

sleep would be nice

thanksfroyourhelp

right

firstly apologies for not posting sooner

a lot has happened

the family member in the end did not send the money

so two payments have now been missed

nationwide keep ringing my mum but she cant speak to them

I sent a letter of authority (on behalf of my mum) earlier jan, i have rang up several times since and been told it has yet to be "acted upon"

Anyway i have now managed to borrow £400 which i now have, I have tried to ring nationwide and explain that i want to put this money against the arrears but they once again are proving vague and telling me they cant advise me!

Basically do you think i am ok to transfer the £400 DIRECT online to my mums mortgage account? And then write another complaint letter on her behalf ?

Sorry this is a bit messy and confusing, she is having a bad spell health wise anyway this is not helping.

Many Thanks

thanksfroyourhelp

i am also looking if possible for the address and name of the chief executive of nationwide for my next and hopefully final letter