Blaby District Council

Summary

Falling into mortgage arrears can make people feel frightened and vulnerable. Many homeowners have difficulty paying their mortgages, often when they lose a job, split up with a partner or have unexpected expenses. Keeping up with your mortgage payments should be your top financial priority or your home could be repossessed if payment problems continue. This doesn't happen automatically, but the longer you delay, the more difficult it will become to control your arrears and avoid long-term debts.

Downloads

• Credit Crunch Leaflet (PDF, 5,038KB)
• Shelter – How to cope with Mortgage arrears? (PDF, 1,679KB)
• NHAS – Are you worried about your mortgage? (PDF, 324KB)
• Shelter – Mortgage Problems – separating myth from reality (PDF, 749KB)

Initiatives

If you are struggling with your mortgage payments or you have been served any notices then you should seek advice now before it is too late. The Government has introduced a range of initiatives to help homeowners who are experiencing financial difficulties in the current economic climate. Such as:

• Support for Mortgage Interest (SMI) (PDF, 21KB)
• Mortgage Rescue Scheme (England only) (PDF, 15KB)
• Homeowners Mortgage Support Scheme (HMS) (PDF, 31KB)
• Court Duty Scheme (PDF, 8KB)
• Local Authority Repossession Fund (PDF, 8KB)
• Pre-Action Protocol (UK Wide) (PDF, 9KB)

External websites

• Citizen’s Advice (external link)
• Community Legal Advice (external link)
• Consumer Credit Counselling Service (external link)
• Directgov - Mortgage arrears or payment difficulties (external link)
• Financial services Authority (FSA) (external link)
• National Debt Line (external link)
• Pay plan (external link)
• Shelter (external link)
• Pension Credit (external link)
• Working Tax Credit and Child Tax Credit (external link)

Contact us

Officer / Team	Housing Options Team
Postal address	Blaby District Council Council Offices Desford Road Narborough Leicester LE19 2EP
E-mail address	housing.options@blaby.gov.uk
Telephone	0116 272 7770
Fax	0116 272 7610

If you need this information in other languages or formats (large print, Braille or audio), please let us know when you contact us.

This page was last updated on 28th April 2011