Cr*p cr*p CR*P

[HRHQoQ]

Just when we thought we were getting sorted - HSBC are being complete arses and despite saying they wouldn't take the loan payment out of DH's account - have done so today - leaving us £400 over our official overdraft limit - and the mortgage lender wants our (revised - more than the 'normal' payment due to our agreement to pay missing payments in stages) full payment by next Friday - or they'lll demand the money we owe in full - which would mean the start of repossession .

We've got tax credits, my organ pay and child benefit coming in during the next few days - but that's only about 2/3 of the amount we need to find - and if we use all of that we'll have nothing left to pay for the other bils and food (never mind Christmas).

I've got stuff I can sell (Piano - probably get £300ish for that, table football table, rowing machine etc etc) but I don't know if I'd be able to sell them by next Friday.

Speak to the bank, my bil is on the verge of going bankrupt and they have given him the number of a debt cousellor. They are in the middle of negotiations. At least that would buy you some time.

no I'm not going to go to Cash Convertor - I''ve already tried ebay - and had to pay lots of fees - but no sales - or is that . I'd rather not make any money at all from them than sell them for peanuts.

Lucycinco - we've been talking to the bank for months - but they're now being very unhelpful - we're dealing with CAB to help with most of the stuff - but obviously mortgage payments are a bit different from other bills.

QofQ..do you have family who could help you out??

Mortgage providers will not take action simply because you are late/behind with one payment. If you keep talking to them, letting them know what is happening (you may find that, although your bank and mortgage provider are the same company, they are different divisions and don't necessarily know what is happening), it may take several months before they start even talking about repossession.

If you can make some payment, not necessarily the full amount, that is better than nothing. Usually action is only taken when borrowers don't let the provider know what is happening and don't make any payments for several months. Many people think that, if they can't manage the whole payment, there's no point in paying anything. This isn't true.

If you feel that the mortgage is beyond you in the long term, then use the time between now and any potential action being taken to get the house on the market. Spring is generally the best time to sell, so you might manage to hold out until then.

Sorry QofQ should have read your post more carefully.

Auction, carbootsale, garage sale. I really wish I could come up with a solution.

If you relist on E-bay, and it sells the second time, you get the original listing fees back. You might have more luck this time with people looking for Xmas presents?

Freckle - we're not just talking one missed payment - we're talking 4 missed payments - we'd set up an agreement with them to repay the missed payments spread out over the next 7 or 8 months or so - supposedly starting now - but we're not able to pay this month - so they've said flat out if we don't pay what we agree by next Friday then they'll be demanding the full 4 months missed payments - which obvisouly we can't pay - which will therefore mean repossession will start.

Moondog - most of my family are just as skint as us (although most don't have the debts we do - just no money).

Laura - I'd already re-listed them for a 2nd time - and they didn't sell - despite all of them having loads of watchers.

Have you tried selling on here - at least there's nothing to lose if your things don't sell. Someone might well want a table football table though at this time of year, and I'm sure there are a few pianists/budding young pianists around. I'm so sorry things are so difficult for you atm. I missed seeing you post for a while there (but Jan found you for me). Look here.

Aww - didn't see that thread - had a busy weekend - it was DS2's 2nd birthday - where did my baby go??? And as NightyNight said just started working nights - so 'adjusting'.

I did offer the football table on here - nearly sold it - but it was too expensive to send so fell through.

DH and I have had a "talk" and agreed than unless something unexpected happens during the next 9 days - we'll probably be moving in the not too distant future. Going to call some agents tomorrow to come and give us a valuation and see what happens after that.

Not sure whether this will help but I was in a similar position with my exH who wouldn't move out of my house in order for me to sell, so I had to stop mortgage payments. The mortgage co kept threatening to repossess the house, but I made very minimal token payments, the odd £20 here and there. Luckily, it was some six to seven months before they tried commencing proceedings, by which time the house had a buyer and contracts had been exchanged, so there was nothing the mortgage lender could do but wait until completion and then were repaid in full. I feel for you, money worries always come about at the worst possible time, but try to keep smiling x

Sounds like the best plan for now. (Medway is cheap if you fancy a big move!) I hope something useful comes up for you.
In the short term and regarding Christmas, could I help with that at all? I always have a spare present or two stashed just in case............(please don't take that the wrong way, you probably have Christmas sorted. Just take it that if I can help in some small way then the offer is there).

lol Aero - think Medway is just a little too far for DH and my jobs, DS1's school and my church job LOL.

Christmas should be ok - we're both being paid the Thursday/Friday before Christmas - so I can nip to Argos and get that big box of Sticklebricks for the boys.