We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Urgent - Please help
bambos
Posts: 284 Forumite
We have a mortgage with Halifax and had a two month payment holiday Feb & March. We set up the monthly payments again and Halifax told us we had to pay manually for April as it was due that day and then from May payments would be DD.
It appears that they have taken two payments leaving us £600 worse off. We have no money for this month now and I can't go food shopping today so have nothing for the weekend at all.
The problem is my husband left for work this morning really upset and stressed about this situation and is in back to back meetings all day so is stressing about trying to get hold of them as it takes ages to speak to someone on the phone and going into branch also takes forever.
I can't call them as the mortgage is in his name only so I don't think they will talk to me. What can we do?
It appears that they have taken two payments leaving us £600 worse off. We have no money for this month now and I can't go food shopping today so have nothing for the weekend at all.
The problem is my husband left for work this morning really upset and stressed about this situation and is in back to back meetings all day so is stressing about trying to get hold of them as it takes ages to speak to someone on the phone and going into branch also takes forever.
I can't call them as the mortgage is in his name only so I don't think they will talk to me. What can we do?
House renovation savings £25,000/£25,000
Emergency fund £1000
When you hit rock bottom the only way is up!
If you believe in yourself you can climb mountains
Emergency fund £1000
When you hit rock bottom the only way is up!
If you believe in yourself you can climb mountains
0
Comments
-
Not much other option than to contact Halifax. This will not provide an instant solution, as it will take time to return any overpaid funds.
You could use the direct debit indemnity scheme to call back the payments but this may leave you with a late payment marker on your credit file.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
kingstreet wrote: »Not much other option than to contact Halifax. This will not provide an instant solution, as it will take time to return any overpaid funds.
You could use the direct debit indemnity scheme to call back the payments but this may leave you with a late payment marker on your credit file.
Thanks King street. It's showing as two separate transactions so could we recall only one of them then hopefully it wouldn't affect credit score?House renovation savings £25,000/£25,000
Emergency fund £1000
When you hit rock bottom the only way is up!
If you believe in yourself you can climb mountains0 -
No idea.
You'll have to ask the bank concerned.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
kingstreet wrote: »No idea.
You'll have to ask the bank concerned.
Update - Husband called them and they are going to do the direct debit indemnity they have also compensated us £100
thanks for your help House renovation savings £25,000/£25,000
Emergency fund £1000
When you hit rock bottom the only way is up!
If you believe in yourself you can climb mountains0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards