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Frequently asked questions

For existing mortgage customers

Intermediaries please click here >

 

1. What do I do if I cannot afford my next monthly payment? >

 

2. How can I make my payments? >

 

3. Can I take a payment holiday? >

 

4. Can you tell me which is the best mortgage for me? >

 

1. What do I do if I cannot afford my next monthly payment? >
Please call us as soon as possible to discuss your options as we may be able to come to an arrangement about your payments.  Please contact our dedicated team of account handlers on 01752 236555.  Please note, we can discuss what options are available to you based on your personal circumstances, but cannot advise which is best.  

Having difficulties paying your mortgage? PDF (39KB)

 

2. How can I make my payments? >
We prefer payments to be made by direct debit as agreed in your terms and conditions; however we also can accept debit card payments, payments by personal cheque, standing order and/or payments by paying in book. Please contact us on 01752 236555 for more details. We do not accept payment by credit card or by cheques drawn on limited company accounts.

 

3. Can I take a payment holiday? >
You can only take a payment holiday if you have a flexible mortgage account. Please contact us on 01752 236555 for details of your account.  Please note, we can discuss what options are available to you based on your personal circumstances, but cannot advise which is best.

 

4. Can you tell me which is the best mortgage for me? >
Unfortunately not, as Platform is not authorised to give financial advice. We can discuss what options are available to you, but cannot advise which is best. If you require advice, then we refer you to your broker or organisations such as Citizens Advice Bureau or National Debtline.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 


 

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.

 

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