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Mortgages and secured loans
about what to do if you run into problems paying your mortgage, in England and Wales see Mortgage problems. In Scotland, see Mortgage problems Types of mortgages There are two main types of mortgage
Struggling to pay - administration orders
If you miss two payments in a row or are often late with payments, the court may send you a notice of intention to revoke or review the order. This means the court might change your administration
Making a settlement agreement with your employer
you to give up your right to go to a tribunal, there are only two ways they can do this legally: negotiate a COT3 agreement through Acas get you to agree to a ‘settlement agreement’ A settlement
Withholding rent because repairs haven't been done
contractors. Step 4 – write to your landlord again enclosing copies of the quotes and giving them a final chance to do the work, for example, within two weeks. The letter should warn that, otherwise, you'll do
Check how council tax works and if you have to pay
, or nearest to the top, of the hierarchy is the liable person. Two people at the same point of the hierarchy will both be liable. The hierarchy of liability is: A resident owner-occupier who owns
Preparing a schedule of loss for an unfair dismissal claim
in a schedule of loss A schedule of loss is usually made up of two parts: the basic award the compensatory award You can find out how to calculate the basic award and the compensatory award. Example
Complaining about your landlord's failure to make repairs if you are a social housing tenant
. Most complaints procedures have two or three stages and if you're unhappy with the final outcome of your complaint, you can complain to an Ombudsman. Complaining to a local councillor If you're
Moving to another council home or housing association home
health or disability needs your benefits have been reduced and you can’t afford your rent you need to move to a different area There are two ways of moving to a different home - it might be worth trying
Complaining to an ombudsman
related to your complaint, so it's a good idea to have it ready. Find an ombudsman There are two types of ombudsman. Some cover the private sector - they handle financial and consumer complaints. Some
Getting a bank account
, and sometimes you can also do this over the phone. You will also have to provide proof of your identity including your full name, date of birth and address. You usually have to show the bank two separate