Extreme Circumstances
| Use attributes for filter ! | |
| Google books | books.google.com |
|---|---|
| Originally published | September 2013 |
| Authors | Brenda Smith |
| Genres | Fiction |
| Date of Reg. | |
| Date of Upd. | |
| ID | 2040410 |
About Extreme Circumstances
In the first book in the Circumstances series, Insane Circumstances, Brandi L. Brown hears the fate of a college student who experiences hazing and is leaving the college because it is more than she can bear. . . .
Nashville school shooting: How the attack unfolded
... " I would say that under Extreme Circumstances, they [Mr Engelbert and Mr Collazo] went above and beyond, " police trainer Todd McGhee told the local Tennessean newspaper...
Delilah: Song ban opens debate on depictions of violence against women
... " If theatre is supposed to be an arena where we see Extreme Circumstances play out, then I think it s still relevant to put those stories on...
Freeports: What are they and will they help the economy?
... In more Extreme Circumstances, the EU could respond to UK subsidies by introducing tariffs on some UK goods deemed to be damaging EU trade or investment...
NHS: Government urged to take action over pressures
... In some places, like Shropshire and Gloucestershire, people are being advised to only visit A& E in Extreme Circumstances...
Molnupiravir Covid antiviral treatment hastens recovery - trial
... The findings suggest this drug would not be suitable for the entire population but in Extreme Circumstances could reduce pressure on the NHS...
San Francisco makes U-turn on 'killer robots' plan
... Police have argued that the robots would only be used in Extreme Circumstances...
San Francisco to allow police 'killer robots'
... The measure permits police to deploy robots equipped with explosives in Extreme Circumstances...
Mortgages: What happens if I miss a payment?
... Could I lose my home? Some people may decide to sell their home and - in Extreme Circumstances - the lender could take court action to repossess it...
Mortgages: What happens if I miss a payment?
By Kevin PeacheyCost-of-living correspondent
The average Interest rate charged by mortgage lenders has hit its highest level for 14 years, adding to The cost-of-living pressure.
So What can those struggling to make repayments do - and how must their mortgage provider help out?
What are tracker, variable and fixed mortgages?There are different types of mortgages - All of which have been becoming more costly in recent months.
Mortgage rates have been rising, so The 1. 6 million people on tracker or variable deals have been paying much More Than a year ago.
The estimated 300,000 homeowners coming to The End of a fixed deal every three months are also facing a much higher monthly bill.
Typically, they could end up paying an extra £3,000 a year, The Bank of England said.
When will mortgage rates fall?That is difficult to answer. Analysts expect Bank of England Interest rates to peak at about 4. 75% next year.
For anyone on tracker deals, at least, that means higher repayments to come.
Mortgage brokers say fixed-rate deals may have stopped going up for Now - and may start to fall slightly as The year turns.
However, a decade or so of ultra-low mortgage rates - which many homeowners have become accustomed to - is clearly over.
A modern browser with JavaScript and a stable internet connection is required to view this Interactive .
How much could my mortgage go up by? How much are you borrowing? If you have an existing mortgage enter The outstanding balance left to pay. If not, enter The Total you are looking to borrow. How long will you take to pay it back? If you have an existing mortgage enter The Total number of years remaining. If not, enter The Total number of years you are looking to borrow over. What is your Current . . For those with a mortgage enter The rate for your Current fixed term. For those without a mortgage enter an Interest rate from another source, such as a bank's mortgage rate calculator. Interest rate monthly payment Choose an Interest rate to compare with…At this rate, your payments could change by…
monthly change
to
monthly Total
The Information you provided on your monthly payments would not be sufficient to pay off your mortgage within The Number of years Given .
This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on The mortgage size and length and a fixed Interest rate. It should be used as a guide only and does not represent The suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.
Interest rates fluctuate based on The Bank of England's base rate and market Conditions .
What happens if I Miss A mortgage payment?A shortfall equivalent to two or more months' repayments means you are officially in arrears.
But your lender must make reasonable attempts to reach an agreement With You .
In fact, The Financial Conduct Authority (FCA) - which regulates mortgage lenders - wrote to chief executives during The summer, reminding them they must treat customers fairly.
Crucially, customers must contact their lender as soon as they realise they are going to struggle to make repayments - The earlier The better.
What must my lender do initially?Within 15 Working Days of falling into arrears, your lender must:
Your lender must then treat you fairly by considering any requests about changing how you pay, perhaps with lower repayments for a short period.
Any arrangement you come to, The FCA points out, will be reflected on your credit File - affecting your ability to borrow money in The Future - as will any missed payments.
Your lender might also suggest extending The term of The mortgage or let you pay just The Interest for a certain period of time.
Lenders have specialist teams to support struggling customers.
Can I take a mortgage holiday?A mortgage payment holiday enables customers to delay repayments - But not indefinitely.
Lenders may offer this option, depending on individual circumstances - and not to those already in arrears - But The Level of support offered during The Covid pandemic has been reduced.
Again, this will show on your credit File .
The devolved governments run some mortgage-support schemes - But The criteria can be complex. Here is.
Could I lose my home?Some People may decide to sell their home and - in Extreme Circumstances - The lender could take court action to repossess it.
Repossessions are far rarer than they used to be.
There are lots of stages before a lender can take such action.
And The whole process takes about two years.
But if you think your home is At Risk , it is well worth getting.
Source of news: bbc.com
