{"id":23261,"date":"2015-01-10T18:41:50","date_gmt":"2015-01-10T18:41:50","guid":{"rendered":"http:\/\/chopsybaby.com\/magazine\/?p=23261"},"modified":"2018-07-02T13:54:30","modified_gmt":"2018-07-02T12:54:30","slug":"dont-be-ashamed-and-seek-help-shelter-urges","status":"publish","type":"post","link":"https:\/\/chopsybaby.com\/magazine\/dont-be-ashamed-and-seek-help-shelter-urges\/","title":{"rendered":"Don&#8217;t be ashamed and seek help Shelter urges"},"content":{"rendered":"<p>A staggering 65 per cent of people in the south west who pay rent or a mortgage are struggling to make the payments.<\/p>\n<p>For one in nine people, Christmas has been spent stressing about how they are going to make the payment this month.<\/p>\n<p>Shelter is urging those struggling to pay\u00a0make payments\u00a0not to bury their heads in the sand and ask them for help.<\/p>\n<p>Shelter\u2019s helpline adviser Nadeem Khan said: \u201cEvery day at Shelter we hear from people who are feeling overwhelmed by mounting rent or mortgage bills, as the increasing pressure of sky high housing costs continues to take its toll.<\/p>\n<p>\u201cMany have spent a long time thinking they have nowhere to turn and are often close to breaking point by the time they come to us.\u00a0 If you\u2019re in this situation, it\u2019s so important to remember you\u2019re not alone and that help is available.<\/p>\n<p>\u201cI spoke to a lady recently who was sick with worry for months because she couldn\u2019t meet her mortgage payments and felt too ashamed to ask for help. When finally a court notice landed on her doorstep she came to us and we were able to help the family keep their home.<\/p>\n<p>\u201cWe all understand how tempting it is to bury your head in the sand, but advice from Shelter is only a click or a phone call away \u2013 so get advice early to prevent things from spiralling out of control.\u201d<\/p>\n<p>Shelter\u2019s top 5 tips to avoid eviction or repossession:<br \/>\n<strong>1.\u00a0\u00a0\u00a0 Get expert advice \u2013 know your options<\/strong><\/p>\n<p>If you are struggling to pay your rent, talk to an expert adviser who can take you through your options and advise the next best steps for you. Visit <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.shelter.org.uk\/advice\">www.shelter.org.uk\/advice<\/a> <\/span>or call Shelter\u2019s free helpline on 0808 800 4444.<br \/>\n<strong>2.\u00a0\u00a0\u00a0 Make the mortgage or rent your priority<\/strong><\/p>\n<p>Paying your mortgage or rent should always be your number one priority. If you have other debts such as credit cards and phone bills you can take action to deal with these separately.<br \/>\n<strong>3.\u00a0\u00a0\u00a0 Respond to letters and phone calls<\/strong><\/p>\n<p>It\u2019s natural to want to keep your head down and hope it\u2019ll sort itself out but it\u2019s important to read everything your mortgage lender, landlord or letting agent sends to you. Keep records of every letter and phone call.<br \/>\n<strong>4.\u00a0\u00a0\u00a0 Have a rainy day plan<\/strong><\/p>\n<p>It can take just one thing, like losing your job or falling ill, to put your home at risk. Avoid payday loans, as sky-high interest rates could make things much worse very quickly. There are usually much safer and cheaper alternatives.<br \/>\n<strong>5.\u00a0\u00a0\u00a0\u00a0\u00a0 Turn up for court hearings<\/strong><\/p>\n<p>If the worst comes to the worst, make sure you attend the possession hearing so that you can put your case to the judge. If you don\u2019t have legal representation you can be assigned a court duty solicitor on the day \u2013 Shelter is one organisation that provides that service across the country. Get advice from an organisation like Shelter as soon as you get the hearing date to give yourself the best possible chance.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A staggering 65 per cent of people in the south west who pay rent or a mortgage are struggling to<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[6],"tags":[],"class_list":["post-23261","post","type-post","status-publish","format-standard","hentry","category-bristol-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Don&#039;t be ashamed and seek help Shelter urges - Bristol News From Chopsy Bristol<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chopsybaby.com\/magazine\/dont-be-ashamed-and-seek-help-shelter-urges\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don&#039;t be ashamed and seek help Shelter urges - 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