Tomorrow I have to call the mortgage company and tell them I can't afford to pay them

Sazzie23

Whatever you tell them it will be looked on more favourably than not contacting them.

Good luck with it, and never give up hope.

enthusiasticsaver

Yes I would definitely pay them what you can even if it is not the full amount agreed. Sign up to GA and put whatever steps in place you can to stop yourself gambling in the future. If you have a partner engage their help maybe with her managing the finances until you are no longer gambling. Do a budget/soa showing what you can afford to overpay and do not promise an unrealistic amount.


Your mortgage provider cannot just take your house off you as a previous poster has explained. If you keep them informed and show a genuine willingness to overcome your gambling addiction and start mortgage payments again they will much prefer to help you with that. Do not ignore letters or they may well end up initiating court proceedings and this adds costs on to your already increasing debt.

[Deleted User]

Hi,

TakeAwayKing wrote: »

But on xmas day I got carried away. Drank too much. Gambled my whole month salary.

TakeAwayKing wrote: »

Do you think I should be completely honest?

I wouldn't go into too much detail, you could say that you spent more over Christmas than you had planned for, not a lie and I'm sure others have done the same, though on different things.

You've had a lot of good advice here, take the first step with GA, good luck.

TakeAwayKing_2

Ok guys. Thank you for all your help. I am plucking up the courage to call them now. God I feel sick.

DreamerHelen

I didn't want to read and run....


Just take a deep deep breath....stay calm....


Let us know how you get on....I'm thinking of you and hoping it goes well for you xXx

TakeAwayKing_2

Hi guys
Well I'm all done. I spoke to the bank and they were fine. I said I had overdone it at xmas and my partner hadn't been able to give me the money I thiught.
They didn't actually seem to care!
I did end up saying I wiukd give them more money in jan than I had planned for, but it should be ok
Thank you all for the confidence

ratrace

TakeAwayKing wrote: »

Hi guys
Well I'm all done. I spoke to the bank and they were fine. I said I had overdone it at xmas and my partner hadn't been able to give me the money I thiught.
They didn't actually seem to care!
I did end up saying I wiukd give them more money in jan than I had planned for, but it should be ok
Thank you all for the confidence

Thanks great news mate

lesson here - you dont ask you dont get

TakeAwayKing_2

I can't believe they didn't tear a piece off me!!

Muhren

Did you go to the ga meeting?

Willowpop

TakeAwayKing wrote: »

Hi guys
Well I'm all done. I spoke to the bank and they were fine. I said I had overdone it at xmas and my partner hadn't been able to give me the money I thiught.
They didn't actually seem to care!
I did end up saying I wiukd give them more money in jan than I had planned for, but it should be ok
Thank you all for the confidence

Just catching up with your thread. That's great news. Step one done. Now head for the GA meeting…listen to Muhren, they've been there, got the tshirt by the sounds of it.