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Read our steps for avoiding mortgage arrears if you feel you are about to fall into the red Homeowners struggling with their mortgages will be looking fearfully at reports that Britain's inflation problem may mean interest rates have to rise. The temptation may often be to ignore the problem, but those who feel that they could fall behind with their mortgage, into what is known as arrears, can save themselves pain by acting as soon as possible. Long-term arrears can lead to home repossession and so borrowers are urged to act fast if they think they are going to struggle with payments. Act now: If you feel yourself slipping into the red, do something before you have to sell your home Here are four tips on how to avoid mortgage arrears: 1. SWITCH MORTGAGES Finding a mortgage on a better rate is the simplest and the most effective way to cut outgoings - but you need to move quickly to get the best deals and weigh up whether it will help you. The crucial question is how mu

> Living in the house right now is not an option, neither is selling as we would be in negative equity, but without the income from the holiday letting we cannot meet our mortgage and rental costs. I do not know what to do and would gratefully welcome your advice. MR Retirement dreams: But if your plans are put into disarray, mortgage lenders may not allow you to let a property you can't move into. David Hollingworth, of London & Country Mortgages, replies: A standard mortgage for owner-occupied residential properties will specify that the property should not be let. Therefore, letting the property without the lender's consent does mean you have breached the terms of the mortgage. The lender is under no obligation to give consent to you letting the property and even if they do they may charge a fee or a higher interest rate. I think you need to enter into further dialogue with your existing lender to see whether a compromise can be reached, ideally giving you con

The Florida boat crash news started trending ever-since the two boats collided near elliott key. The incident took a different turn as the Investigators said today that charges could be forthcoming in the two-boat collision in the Florida Keys that flung passengers into the water and sent nine people to the hospital. The crash happened around 6:30 p.m. Sunday near Sands Cut, a popular sandbar area near Elliott Key, Fla., said Officer Jorge Pino, spokesman for the Florida Fish and Wildlife Conservation Commission, which is spearheading the investigation. A 36-foot Carrera carrying 16 passengers was struck by a 28-foot vessel carrying two people, Pino said, throwing at least a dozen people into the water. The 28-foot vessel capsized after the collision. Of the nine people taken to the hospital, one person was hoisted from the water by a Miami-Dade Fire Rescue helicopter. Pino said the passenger was the most seriously injured of the group and appeared to have suffered a leg injury an

The Old Age Sober man DUI news is extremely unfair story broke-out on all the news sites. An elderly man passes the drinking analyzer but yet got arrested and charged with DUI as the person looked like drunk. Drunk driving checkpoints and cops on the lookout for those driving while drunk are thing that should never be taken lightly. They happen to keep everyone safe on the road. The only problem is that sometimes they don't pan out the right way. Such is the case reported by KDVR on June 10, 2013, that states of a sober man ending up with a DUI for appearing drunk. 64-year-old Jessie Thornton is a retired firefighter from Ohio and he was recently pulled over in Surprise, Arizona, and charged with a DUI. The only thing is that after being pulled over by police, he had a blood-alcohol content of 0.000 on his breathalyzer test. Cops apparently said they knew he was drunk just by looking at him. "I take my glasses off and he says, 'You’ve got bloodshot eyes.' I said, '

N.C. motel deaths : N.Carolina Police Authorities said that an 11-year-old kid was found dead in the same Boone motel where two elderly people died several months ago. Police said they have launched an investigation into the incidents. Jeffrey Lee Williams and his mother, Jeannie, were found unresponsive on the second floor of the Best Western hotel on East King Street on Saturday afternoon. The boy was pronounced dead later, and the mother survived, reported WCNC-TV. Jeannie’s family said she woke from a coma on Sunday but has not yet learned of her son’s death. The son was found dead in the same room where the elderly couple was found dead. “It was actually the same room,” said Boone Police Sgt. Shane Robbins said. “But other than that, at this time, we don’t have any more links or correlation.” However, he stressed that it is unclear if the two cases are linked. “While no evidence has been discovered that these incidents are related, investigators continue to explore all possibilit

A Sober man DUI story starts to trend on the most news site and is causing uproar. Getting a DUI for “D-W-B, driving while black," losing one’s license, and having one’s car impounded for a blood alcohol level of 0.000 is appalling. To top it off, the sober 64-year-old man who received the DUI was forced to undergo a painful examination on the side of the road despite having medical needs, and undergo a series of drug tests, reported 7 ABC Action News on June 9, 2013. The sober man who was arrested for DUI because a police officer told him that “you look like you are drunk” is 64-year-old Jessie Thornton from Surprise in Arizona. Jessie Thornton moved to a retirement community in Surprise after retiring as a firefighter. Jessie Thornton’s wife is an ER nurse and works, as many nurses do, three 12-hour shifts. In order to be able to spend time with his wife, Jessie Thornton sleeps during the day and takes care of errands during the night. "I've been stopped 10 times in S

A.L.writes: I am sending you a copy of an email from Simple Property Marketing Solutions Limited, which has also been phoning me, saying that it has received a firm offer of more than £7,000 for my timeshare in Florida. It states that the deal can proceed only if I pay £995 upfront. My timeshare was bought in 1997 and I have always felt that it is now worth £1,500 to £2,000 maximum. Mix up: Salesman wanted an upfront fee to sell a timeshare in Malta (right), but it was in Florida This is very, very suspicious. For a start, after you asked Simple Property Marketing Solutions (SPMS) to put details in writing, the email that you received said the company was pleased to confirm the offer of £7,450 for your timeshare in Malta. It was left to you to point out that your apartment is actually in Florida. And SPMS never did explain whether the buyer it was supposed to have found wanted to spend his holidays in one place or the other. But even more alarm bells rang