remortgating when you have arrears

mysuni

we have a mortgage that came off the discounted rate 2 years ago and i never got round to moving it. we also have a secured home loan. if possible i would prefer to combine the 2 in a new mortgage as the payments would be more manageable i suspect.

the 2 loan combine to 61% of the value of the house so considering we have had arrears and have just missed this months payments what should i do? the missed payments will be paid when the dd are re-presented.

help please.
thanks.

_Andy_

Hi

How many payments have you missed and what months were they?

Also which company is your mortgage with at the moment?

mysuni

the mortgage is with britannia and the secured loan is with ge money.

the missed payment was in may last year but no-one noticed until september so it is being paid over 6 months with the last payment due this month. however as i said the payments were not made this month as there were insufficient funds. the dd will be re-presented to the bank and be paid. apart from that 1 missed payment we have had a couple of late payments where the dd has been paid 2 weeks late since august last year due to me being off work after a major op.

_Andy_

When you say 2 weeks late, did they fall outside of the calendar month they were due?

mysuni

no i don't think so. my dds are set up forthe 16th and i think bbs and gem re sent the requests within 2 weeks.