Showing results for tags 'unemployed'.
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Hi, I have a mortgage of about £97,000 and my house is probably worth £270,000. I am now unemployed. I want to buyer a cheaper house that would then reduce my mortgage to about £20,000 but my mortgage provider wont give me another mortgage even though it will be much smaller. I have never been in arrears and always paid on time. I am now stuck here and can't move and soon I will find it hard to pay the mortgage. I dont get help with my payments because I have a child who earns living here. Does anyone know of a lender who would help me. Thanks.
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I called out BT as our phone line had suddenly become noisy. My daughter had taken the handset and base into her office and used it all day with no problems so we knew it was not the equipment. Despite this when the engineer came out he insisted that it was our phone. We told him it was not and that the line should be investigated further. I have today received a bill for £151.00 which includes an engineer callout charge of £130.00!!!! I am unemployed, just divorced and live on my own currently on benefit and this has emptied my bank account and in fact made me overdrawn which i am not allowed to do. On ringing BT all they did was pass me from one department to another and then put in an enquiry, despite me telling them they had taken the money i need to live on. I now have nothing, and will probably be charged by my bank also for an unauthorised overdraft. :mad2: -
Hello I'm not sure if I am in the right thread but need advice regarding my Halifax bank overdraft. Basically I had a student account with Halifax bank which ended in June 2010 when I finished University. My total overdraft currently stands at £1400. Because my account is no longer a student account I also have to endure £1 a day in charges because I am in said overdraft. I am currently unemployed and cannot afford to pay off my overdraft and my fear is with this £1 a day charge the total amount will rise further and further and I will be further into debt. I have googled information about overdraft charges and it seems you are unable to freeze the charges? When I went into my local Halifax and spoke to them about all this they said that I could not freeze the charges and speak to their "collections department" so I could arrange a payment plan but if I haven't got a job I cannot afford to pay anything and with the interest it really would spiral out of control. I'm at a loss at what to do? I'm scared some debt collector is going to come call at my parents house and demand a payment or something. Any advice would be greatly received. Many thanks and sorry for the long post -
Hi this is my first ever post on this site,please be gentle My sister had a LARGE refund on mis-sold PPI due to this site so I thought I'd give it a go. In August 2006 I was made redundant with a £12000 pay off from work, while living it up, the Halifax kept contacting me about the money in my account and offering appointments and advice, so my wife and I went to see them and during our advice meeting we got round to the talk of loans, we spoke of home improvements etc.etc and somehow we managed to walk out of the branch with a freshly signed loan for £28000 for home improvements. It wasn't a 'straight' loan, i believe £15000 was added as a 15 year mortgage and £13000 was a loan. What my question is should the Halifax have checked that I was actually in employment ie. Pay slips,contacting my employer etc.etc.?? Any advice would help me greatly Ps I am in the process of writing for the original agreement,should be with me next week Kind regards Jamie
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