Headachecity
Registered User
- Messages
- 213
Hi all,
As the title says, we are one month down on our mortgage repayments, up to that we were perfect and we haven't missed a payment since but we don't have the money to pay the arrears at the moment.
Basically, we suffered a family berevement in Nov which hit us hard. My husband was off work for 6 weeks he was so devastated and still isn't right, so he was docked a hell of alot of money out of his wages eventhough he had a doctors note. Therefore we missed Novembers repayment but we have been fine for Dec & Jan and will be okay for Feb etc. Our savings are all but nil after everything and I work part time as we have small kids so creche fees would take up most of any full time salary I could earn so it's pointless.
So, basically could our house be repossessed over this?, so scared and worried about it. Our lender has not sent us one nasty letter over it but I have spoken to them on the phone and I thought we would have the money to catch up but then hubbies wages were not enough at the time, barely covered Decembers repayment.
What should I do now and are we in serious trouble?. Thanks in advance.
As the title says, we are one month down on our mortgage repayments, up to that we were perfect and we haven't missed a payment since but we don't have the money to pay the arrears at the moment.
Basically, we suffered a family berevement in Nov which hit us hard. My husband was off work for 6 weeks he was so devastated and still isn't right, so he was docked a hell of alot of money out of his wages eventhough he had a doctors note. Therefore we missed Novembers repayment but we have been fine for Dec & Jan and will be okay for Feb etc. Our savings are all but nil after everything and I work part time as we have small kids so creche fees would take up most of any full time salary I could earn so it's pointless.
So, basically could our house be repossessed over this?, so scared and worried about it. Our lender has not sent us one nasty letter over it but I have spoken to them on the phone and I thought we would have the money to catch up but then hubbies wages were not enough at the time, barely covered Decembers repayment.
What should I do now and are we in serious trouble?. Thanks in advance.