themaninred
Registered User
- Messages
- 4
Just looking for a little bit of advice. We are 5k in arrears with an ebs mortgage. We bought in 2007 and have keep up all repayments till we got into trouble last year. We have personal debt and my partner took a 10k drop in her job. We were on interest only for 6 months but that done us no good as we fell futher behind. We have been paying about 75% of the motgage a month for the last 6 months. After the interest only time was up we applied again to see if we could get a split mortgage or something to help us in the short term till we got the personal debt sorted. After almost 6 months waiting for the ebs to get back to us they said NO. Thats the short answer. They told us to pay the mortgage and dont bother with the other debt! We want to pay what we owe but are on our knee's. We have 20 business days to reply to the letter. All we would need is 3 years ans we are debt free apart from the mortgage. Any advice to what to say or not to say in the reply to them. By the way we have no savings and we filled in there forms to tell them what comes into the house a week.