Thank you bank

Some good news. Earlier today I had received a text message from the bank asking me to call them. This always fills me with a sense of dread, makes me feel ill and is normally to do with the fact that I owe them so much money. I did call them when I returned home from my support group meeting. It was, as I suspected, to do with the mortgage as the arrangement we have for the mortgage is about to run out. I wrote a while back that we had asked the CAB to intervene and send a letter on our behalf pleading for them to see sense and extend the arrangement until the end of February next year, when the rate changes significantly. This will mean us paying half the contracted amount, though we will just be paying the interest. It will though help enormously.
When I spoke with them, they did acknowledge that they had received the letter and after a brief chat with their manager, it was agreed that my account would be given the category of 'sensitive' and that we could continue paying the reduced amount.
It is difficult to convey the relief I now feel. This had been worrying me significantly and the fact that I can now spend Christmas not fretting over the mortgage is fantastic. It should be noted that my wife is equally relieved as me, particularly as she has to live with me and my fluctuating moods.
So thank you Halifax. It's a shame it had to take a letter from the Citizen's Advice Bureau and this long to sort out. It could have saved me a lot of unnecessary stress and anguish. But it's done now.
For others out there in a similar dilemma and unable to meet their mortgage payments, don't despair. You are not alone, there is always room for negotiation and if you need help, contact your local CAB. They are brilliant.