Today is a Bank Holiday

SeduLOUs

timbstoke wrote: »

In OPs case, assuming he can't get any kind of access to a JC before the mortgage goes out, his best bet (assuming that selling goods or borrowing from family/friends isn't an option) is to ask for a payment holiday, or at least ensure that the bank don't make the payment using an unauthorised overdraft facility. Current account charges can be upwards of £25, while credit charges are usually capped at £12, so better to incur a non payment charge on the mortgage account than an unauthorised overdraft fee on the current account.

I understand he has been put in a difficult position, and perhaps your advice is better than mine. I haven't personally been in his position so do not know details of charges and reeled off a list of options that sprang to mind, of which payday loans was clearly set out as an absolute last resort.

The fact of the matter is he did absolutely nothing at all - did not contact bank, did not contact mortgage company, didn't speak to friends, made smarmy comments about where he might sell his laptop on Xmas Day (despite posting in the morning on Xmas Eve).

I understand he was reliant on the payment, but the payment didn't come for whatever reason and the jobcentre was closed (and would be until after the mortgage payment was due).

I'd have had much more sympathy if he had at least attempted to take matters into his own hands instead of spending the day complaining about the jobcentre staff being 'idle' by having a 'holiday' when the staff didn't have any say in the matter whatsoever.

No matter how difficult the position, as an adult he should have taken some responsibility for his own situation and at least attempted to rectify it himself, especially when it concerns something as important as his mortgage. Missing one payment might not be the end of the world, but he should definitely be talking to mortgage provider again about the due dates, as clearly a due date so close to the JSA payment is causing serious problems. In the long run, if these issues continue he could potentially lose his house, and no amount of complaining about the jobcentre and their staff will help him.

Barny1979

Did you get paid today?

pmduk

No offence meant to the OP, but I think many of us on here would be critical of a payday loan provider who would lend to somebody with so little slack in their budget.

JReacher1

I suspect the OP is ok.

This is based on one of his other threads where he spent Xmas day roasting a goose.

I suspect he wasnt as close to the breadline as suggested!

ThumbRemote

JReacher1 wrote: »

I suspect the OP is ok.

This is based on one of his other threads where he spent Xmas day roasting a goose.

I suspect he wasnt as close to the breadline as suggested!

Depends where the goose came from.

pmduk

ThumbRemote wrote: »

Depends where the goose came from.

If money is tight it was probably paid for well in advance.

Barny1979

Still no response from the OP, what a surprise....

Barny1979

Any update.....

Blackbeard_of_Perranporth

Barny1979 wrote: »

Any update.....

Missing me are we?

Barny1979

Just wondering what the outcome was.