More Bradford people seeking help on mortgages

Bradford Telegraph and Argus: More Bradford people seeking help on mortgages More Bradford people seeking help on mortgages

Rising numbers of people are becoming suicidal as spiralling mortgage arrears mean they face the threat of losing their home, a Bradford charity has warned.

Christians Against Poverty (CAP) said that 28 per cent of its new clients in 2012 were in arrears with their rent or mortgage, compared to 21 per cent of callers the year before.

That comes as Hope Housing, which helps homeless people in the district, reported that it helped four people without a home at Christmas, two who had been evicted and two who left prison with nowhere to go.

A CAP spokesman said: “This shows that those who call us are in an increasingly-serious situation, with four in ten of callers nationally saying they were suicidal in 2012.”

Homelessness charity Shelter has warned that 7.8 million Britons are struggling to keep up with their rent or mortgage payments, a sharp increase on a year ago.

Shelter also estimates almost one million people took out a payday loan in 2012 to help them cover their mortgage or rent.

The CAP spokesman added: “Shelter’s figures are a grave concern. It’s difficult when you have a range of debts, and some of those creditors are shouting very noisily, to think straight amid all the stress and pay the right one.

“However, the roof over your head is the priority, along with food and utilities because the consequences of not paying them are far more serious.

“There is good news for people who ask for the help they need because often we’ll go into court with clients who are due to be evicted and find that they are treated very favourably when the court hears CAP is involved. Our best advice is to do something – speak to the mortgage companies, negotiate all you can, get debt help from a not-for-profit like us or Citizens Advice if that’s what you need. Don’t sit on the problem.”

Alex Bohdanowicz, of Bradford and Airedale Citizens Advice Bureau, said she was not surprised by the increase in people struggling to meet their mortgage and rent payments.

“This reflects the difficulties our clients are facing when they seek advice from the bureau,” she said. “While most people recognise the need to prioritise payment for housing costs, cuts in wages, loss of job and reductions in tax credits and increasing fuel costs have caused serious problems for people in trying to meet ends meet.”

The CAB operates a debt advice line on (01274) 758047 on Monday, Tuesday, Thursday and Friday from 9.30am to 12.30pm.

Comments (8)

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9:55am Sat 5 Jan 13

birday says...

Bet most of these client are still buying VATable goods, have nice mobile phones on contract, put the heating on when they feel a bit chilly, use public transport or own car rather than walk, buy nice food rather than supermarket budget brands, divorced/separated etc. Want what they couldn't/ can'tafford for nothing.
Bet most of these client are still buying VATable goods, have nice mobile phones on contract, put the heating on when they feel a bit chilly, use public transport or own car rather than walk, buy nice food rather than supermarket budget brands, divorced/separated etc. Want what they couldn't/ can'tafford for nothing. birday
  • Score: 0

6:10pm Sat 5 Jan 13

bradfordian says...

birday how do you know they are buying mobiles etc? Where did you get your facts from?
birday how do you know they are buying mobiles etc? Where did you get your facts from? bradfordian
  • Score: 0

7:12pm Sat 5 Jan 13

The obvious says...

Most struggling will be the ex council/incommunitie
s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories.

Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling.

And watch as they become a burden on the tax payers again.

I do feel for the poor people losing their homes and would not wish that upon anyone.

Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release.

When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery.
Most struggling will be the ex council/incommunitie s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories. Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling. And watch as they become a burden on the tax payers again. I do feel for the poor people losing their homes and would not wish that upon anyone. Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release. When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery. The obvious
  • Score: 0

12:07am Sun 6 Jan 13

lazybeat says...

a very sad situation for any family,
a very sad situation for any family, lazybeat
  • Score: 0

9:35am Sun 6 Jan 13

Z.Raja says...

It is not only unemployed but also the owners of legal businesses who are struggling to pay their mortgages after being robbed by Stall Type Illegal Bazaars and Bradford Council has failed to stop this Black trade immediately. If these Bazaars are not closed the problem will become far worse.
It is not only unemployed but also the owners of legal businesses who are struggling to pay their mortgages after being robbed by Stall Type Illegal Bazaars and Bradford Council has failed to stop this Black trade immediately. If these Bazaars are not closed the problem will become far worse. Z.Raja
  • Score: 0

12:17pm Sun 6 Jan 13

allinittogether says...

birday wrote:
Bet most of these client are still buying VATable goods, have nice mobile phones on contract, put the heating on when they feel a bit chilly, use public transport or own car rather than walk, buy nice food rather than supermarket budget brands, divorced/separated etc. Want what they couldn't/ can'tafford for nothing.
Can't you just feel the compassion oozing from this idiot's pores?
[quote][p][bold]birday[/bold] wrote: Bet most of these client are still buying VATable goods, have nice mobile phones on contract, put the heating on when they feel a bit chilly, use public transport or own car rather than walk, buy nice food rather than supermarket budget brands, divorced/separated etc. Want what they couldn't/ can'tafford for nothing.[/p][/quote]Can't you just feel the compassion oozing from this idiot's pores? allinittogether
  • Score: 0

12:19pm Sun 6 Jan 13

allinittogether says...

The obvious wrote:
Most struggling will be the ex council/incommunitie

s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories.

Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling.

And watch as they become a burden on the tax payers again.

I do feel for the poor people losing their homes and would not wish that upon anyone.

Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release.

When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery.
So council house tenants are "a burden on the tax payers" are they?
[quote][p][bold]The obvious[/bold] wrote: Most struggling will be the ex council/incommunitie s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories. Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling. And watch as they become a burden on the tax payers again. I do feel for the poor people losing their homes and would not wish that upon anyone. Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release. When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery.[/p][/quote]So council house tenants are "a burden on the tax payers" are they? allinittogether
  • Score: 0

12:46pm Sun 6 Jan 13

Albion. says...

The obvious wrote:
Most struggling will be the ex council/incommunitie

s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories.

Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling.

And watch as they become a burden on the tax payers again.

I do feel for the poor people losing their homes and would not wish that upon anyone.

Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release.

When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery.
The word "most" seems to be much in evidence here, but appears to be merely guesswork, unless of course, evidence can be produced.
[quote][p][bold]The obvious[/bold] wrote: Most struggling will be the ex council/incommunitie s tenants encouraged to take up the right to buy or right to acquire. Most went to subprime lenders as they would overlook poor credit histories. Most borrowed from the equity of their homes to buy cars,holidays etc. now they are struggling. And watch as they become a burden on the tax payers again. I do feel for the poor people losing their homes and would not wish that upon anyone. Take a drive through any estate and you will see many houses/flats for sale...direct result of falling into the trap of home ownership and equity release. When these people do lose their homes, these people are left waiting on the homeless register...exactly where the so called social landlords will house them is altogether another mystery.[/p][/quote]The word "most" seems to be much in evidence here, but appears to be merely guesswork, unless of course, evidence can be produced. Albion.
  • Score: 0

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