If you are selling the house anyway, there isnt any need or benefit in resuming payments in fact, you could take advantage of the whole 8 months, and I guess you know that, which might be why he hasnt replied (I would be confused, if I were in his shoes)... the unpaid interest just gets tacked onto the overall amount owed.. which will then get paid out of the profit of the house sale once you redeem the mortagge. There isnt any penalty for doing this and as you are selling within months/a year hopefully, you wont really pay much extra interest overall for the privilege of having had a slightly bigger mortgage after not having paid 4 more months of interest on the loan. Yuo do realise this ? So.. no need to send those forms off yet?
No, I am rubbish at this kind of thing and was panicked by the thought of interest building up and probably blinded by this. I suppose if I wanted to enforce the payment holiday for one month I should have done it, instead I left it so there is no harm in another 4 months I suppose. Thank you so much for explaining it so clearly. I don't know what I was imagining but it was something along the lines of huge debts piling up!
It is not a great amount he needs to pay me (�70 a month), house insurance, credit card bills etc which I can cover without inconvenience but he should be paying. Again though I can wait for his time on this one - it is more for his benefit so he doesn't have to pay out a large amount in one month but you are right, I can take this off the base of the house sale. So long as I keep track that I am owed this money. If I look at my feelings it is this that is upsetting me/ stressing me and it is an old cheeseless tunnel
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He did let you know he received your email but was busy, thereby implying he will get round to it !
Argh, this makes me so mad! How do I deal with this emotionally? It happens again and again and blinds me each time.
You are right it isn't fair for us to have to be the grownups but you are right, it is the way it is and on the plus side may make me more savvy in the future.
I don't really want to see him at the moment. It would be nice to catch up about non-finance stuff so maybe in a couple of weeks I could ask him if he wants to meet for lunch and work more on a friendship.
How do I fix this now? I feel silly if I send a text saying no to worry so I suppose I could just wait and see if he responds. If he wants to restart it then send the form but if he doesn't it is no big deal and let it go.
