Please don't ignore the problem.
If you're having trouble paying your mortgage, there are a variety of options available that may ease your situation and ultimately help to resolve the issue.
First and foremost - don't ignore the problem. Call us as soon as possible if you are having problems paying your mortgage or think that you may experience difficulty doing so in the near future:
0345 835 3371 - if you haven't yet fallen behind with your mortgage payments
0345 835 3374 - if you're already behind with your mortgage payments
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
If we can't offer you any of the options above, we'll tell you why. If we are able to offer one or more of them, we'll explain how each option would work and give you time to consider it.
You may wish to talk to a professional adviser, such as a debt counsellor or a lawyer, before you change your mortgage arrangements. We would strongly advise that you seek independent, free, debt advice.
If your mortgage goes into arrears, we may charge you for reasonable administration and, more importantly, legal costs. We will tell you the amount you will have to pay - see
If we can't agree on a solution with you to clear your arrears, we may go to court to start proceedings to repossess your home. If proceedings take place, it is strongly recommended that you attend the court and that you seek independent debt advice.
The commencement of court proceedings does not necessarily mean that we will repossess your home. We will keep trying to solve the problem with you. Repossession is a last resort.
If your home is repossessed, we will give you advice about getting in touch with your local authority to see if they can find you somewhere else to live.
If your home is repossessed, we will:
If you think that we have not treated you fairly in dealing with any arrears on your mortgage, first please talk to us and let us know what the problem is. The chances are that your complaint can be quickly resolved by the manager of the area you are dealing with - so please contact them first.
If, after going through the
, you're still unhappy, you can then refer your complaint to the Financial Ombudsman Service (The Financial Ombudsman Service is only available once you have received the final letter of response from us, or if you have not received a final response after 8 weeks). The Financial Ombudsman Service provides a free and independent service for consumers, and can be contacted at:
The Financial Ombudsman Service
You can also call the Financial Ombudsman Service on the below numbers:
08000 234 567
(Calls to this number are now free on mobile phones and landlines)
03001 239 123
(Calls to this number cost no more than calls to 01 and 02 numbers)
These numbers may not be available from outside the UK - so from abroad call on +44 207 964 0500
Answers to questions on PPI complaints
Some companies may offer you new loans or even invite you to sell your property to them and then lease it back as a way of resolving your short-term financial difficulty. Please be careful, as such actions may not be in your long-term best interests. We advise you to seek independent advice before entering into any arrangement of this type.
You may be thinking about handing your keys over to us. If you do this, you will still owe TSB any outstanding debt, and we advise you to discuss this option with us first before taking such action.
Citizens Advice Bureau
Money Advice Service
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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