A relative of mine is nearly 3 months in arrears with her Halifax morgage. For her 'credit card debts' she has an account with Bains & Ernst who deal with those, but the morgage isn't included (Halifax won't allow it as it's already extended 'til she's 70 odd.) Halifax have told her to speak to one of their 'debt councillors' which sounds like bad news to me - pre reposession order stuff. I've offered to move back & pay a 1/3 of the morgage directly to halifax & she is trying to secure herself a better job. My main worry is she is going to get 'spooked' into paying more than she can afford via this 3rd party caller (she's told if she misses the call she will be fined £25) She pays £20 a month for her other debts to be managed already & she's under the impression these new councillors ARE the halifax, so she'll tell them everything unless I can find an alternative soon. my cash imput must count for something! I don't think they'd let her sell the house as it's in need of a fair few repairs - is there an agency out there that could manage all her debts including the morgage ?(posted 7268 days ago)Is there a legal agreement I could make with them to prevent the worst outcome (i.e reposession) ????