Thank you for your time in reading my situation.
After explaining to a close friend a problem my mother is currently having, his response was “have I considered asking the public for help?” Personally, it’s something I would never of considered because I have always had the mentality to buy what I can afford. My name is Leon Morgan 42 and a father of three lovely children (1 yr, 3 yrs & 9 yrs old) and not forgetting my beautiful fiancé.
As a full-time worker with a stable income to pay for my family, unfortunately I’m unable to help my one and only mother Melzella. She was born 1955 in Jamaica youngest of 6 siblings who sadly grew up without her mother from the age of 6. At 13 she studied in the UK and became a nurse at the age of 20. 21 she met my father and married at 24. She then gave birth to me at the age of 26 and my brother at 29.
Unfortunately, due to my farther not being fully faithful my parents departed when I was 14, but my father still lived in the house that they both had a mortgage on. My father fully moved out when I was 16, which resulted in leaving her to pay the mortgage. It wasn’t until the beginning of August this year my mother approached me asking for help. She surprisingly said “mortgage down payment of approximately £14k needs to be paid off by December 2023”.
Since I was 9 my mother changed her career to a teaching assistant, then for the past 25 years working as a teacher for a pre-school for disability children and part-time cleaner at the same school. But I had always assumed she managed her finances correctly, and continued to work (not retire) because she loved helping children with disabilities. Which was true, but unfortunately needed to continue working to pay off her mortgage, which is what I didn’t know.
My first instinct was to look into her finance/mortgage accounts, shockingly she has paid over £40k on interest to the mortgage lenders, without acknowledging she needs to pay more than minimum fees contracted. My mother has always been a humble vulnerable person who will always give more than she can afford. A prime example is her contribution to charities via direct debits. Where I’d noticed between three charities for the past 10 years she has paid over £30k, averaging £300 per month. As a son my response wasn’t proudest, but she needed to open her eye’s and think about herself.
I have recently spoken to the lenders and they’ve accept to extend the contract and are currently waiting for the extended contract to be signed. No date has been agreed as yet, but from my mothers income she can afford to pay off the outstanding by May 2024. To be honest I would love my mother to retire now, especially when her health has deteriorated (loss of hair and lost weight), while my father is happily remarried and living an easy life in Greece for the past 9 years.
In kindness and appreciation I am reaching out to anyone who can help me contribute towards my mothers outstanding fee.