Could really use some help... :(

HAMISH_MCTAVISH

Miss_Merlot wrote: »

Have not yet told mortgage provider about loss of husband's employment as yet, as like I said am in a position to pay the bills at the moment - but obviously could still really use the money provided by the claim.

Can they revoke a mortgage after the event (bar in cases of criminality maybe), or am I just stressing needlessly...???

OP, you're stressing needlessly.

Keep paying the mortgage, and everything will be fine.

Make your claim, and while I suspect it's unlikely to be paid, it's not likely to hurt your relationship with the bank either so worth a try.

Then focus on getting hubby rested and refreshed and back on the job hunt asap.

Within a few weeks or months, chances are it'll all work out just fine.

Good luck.

Miss_Merlot

Thank you!! x

HAMISH_MCTAVISH wrote: »

OP, you're stressing needlessly.

Keep paying the mortgage, and everything will be fine.

Make your claim, and while I suspect it's unlikely to be paid, it's not likely to hurt your relationship with the bank either so worth a try.

Then focus on getting hubby rested and refreshed and back on the job hunt asap.

Within a few weeks or months, chances are it'll all work out just fine.

Good luck.

Tancred

Miss_Merlot wrote: »

Just a bit paranoid that the insurance will not only reject the claim due to the probation thing (not in itself a disaster as my salary can cover the mortgage in the short-term anyway / we have a lodger to cover half the mortgage anyway / my dad is quite well-off, so there is zero danger of defaulting), but will also pass on to the mortgage provider (Nationwide) about the probation period and they will use that as an excuse to invalidate the mortgage, although the question was never specifically asked during the application process or on the appliation form...

Have not yet told mortgage provider about loss of husband's employment as yet, as like I said am in a position to pay the bills at the moment - but obviously could still really use the money provided by the claim.

Can they revoke a mortgage after the event (bar in cases of criminality maybe), or am I just stressing needlessly...???

I don't know why you are even worrying. You have the lodger, you can get some parental help if necessary and you also have the mortgage insurance. The insurance might not pay if you are completely honest about the probation - you might just say that the dismissal was due to cutbacks etc. It's unlikely they'll investigate as they get dozens of claims through every day.

Miss_Merlot

Am unfortunately a congenital worrier!

Tancred wrote: »

I don't know why you are even worrying. You have the lodger, you can get some parental help if necessary and you also have the mortgage insurance. The insurance might not pay if you are completely honest about the probation - you might just say that the dismissal was due to cutbacks etc. It's unlikely they'll investigate as they get dozens of claims through every day.

virtuallyfree

Try not to worry, know it is hard.

I had TIA ten years back, deffo stress, I am fine now, I changed everything to reduce stress, and feel so much better. Maybe best that he lost that sales job they sound horrid.

Good luck.