If you are having difficulty in paying a service charge bill, please let us know. We appreciate that bills for major works can be an unforeseen expense. We are happy to discuss arrangements for you to pay in instalments if appropriate.
If you are on a low income or experiencing financial hardship, your local Jobcentre Plus can advise about eligibility for benefits that may help you maximise your income. In some cases, this may include a contribution towards mortgage interest payments.
If you are having problems managing other debts, the National Debt Helpline offers a free telephone advice service (0808 808 4000). Alternatively, you may prefer to contact your local citizen's advice bureau www.citizensadvice.org.uk
If you are having difficulty meeting your mortgage repayments, it is essential to speak to your mortgage lender as soon as possible; you may be able to avoid losing your home through repossession by negotiating different payment terms or a payment 'holiday'. If you do face possession proceedings, you will need expert advice . Your local citizen's advice centre (www.citizensadvice.org.uk) or the Community Legal Service (0845 345 4345) may be able to offer legal advice.
If there is a risk you may become homeless, you should contact your local authority housing department for advice as soon as possible.
