Are you struggling to meet your mortgage repayments?
At CHL Mortgages, our customers come first. So, if you’re concerned about your ability to meet your mortgage repayments, we want to help. We are committed to treating our customers fairly and will look at each person’s individual circumstances and how we can assist using a range of available options.
It’s important that you contact us as soon as you realise you may experience problems making your monthly payments. The sooner you talk to us, the sooner we can try to agree a suitable arrangement.
You can request help from us:
- By completing this online form
- Sending an email to our specialist team [email protected]
- Or if you would prefer to talk to someone – by calling our Specialist Servicing Team on 03330 148 048
(9am – 5pm Monday to Friday, excluding public holidays)
The MoneyHelper has produced an online tool ‘Money Navigator’ to help people in financial difficulty. The aim of the tool is to signpost the best organisations to contact for specialist support. For most people, it makes sense to pay essential expenses and priority debts before any discretionary expenses or non-priority debts. To support with this, you can also use guides such as the MoneyHelper ‘How to Prioritise your debts’ page. It is a good idea to contact all your creditors to discuss repayments.
If you have been affected by Coronavirus (COVID-19), we suggest you visit the Financial Conduct Authority ‘Dealing with financial difficulties during Coronavirus ’ page, as this will provide you with information on what you can do to help get back on track.
For more information on independent financial, housing advice and other organisations offering help and support please click the link here.
Here are some of the questions that our customers often ask us when experiencing financial difficulties:
Where can I get independent advice and other support?
There are a number of organisations that you can contact who provide free, confidential, impartial advice and support including:
Financial Conduct Authority (FCA): For Its dedicated advice on mortgages, insurance, personal loans and overdrafts, and stay aware of any possible impact coronavirus could have on your money, visit www.fca.org.uk/consumers/dealing-financial-difficulties-coronavirus
MoneyHelper: For free, easy-to use money tools, information and advice visit www.moneyhelper.org.uk. We draw particular attention to their Money Navigator Tool for general help with financial difficulties, and to their Debt Advice Locator which provides a list of agencies who provide free and impartial debt advice. You can also phone 0800 138 7777 to speak to a money expert, use typetalk at 18001 0800 915 4622, or add +44 7701 342744 to your Whatsapp to send a message.
Citizens Advice: For advice and information on debt and other topics, contact your local Citizens Advice or go to www.citizensadvice.org.uk.
Citizens Advice Wales: If you live in Wales, visit www.citizensadvice.org.uk/wales, or you can call Advicelink on 03444 77 20 20 if you want to speak to someone about your debts. Calls cost the same as calls to the landline numbers.
AdviceUK: Member centres offer debt advice including specialist advice for minority communities and people disabilities. Visit www.adviceuk.org.uk.