twiggs you stated
As for people who can't afford to pay their mortgages, if you can't afford your repayments on your base pay, why commit to such a debt in the first place?
for once I agree with you 100%
though luck on these people, I cannot believe that they would have been so stupid to get a mortgage based on allowances and long range etc.
Absolutely no sympathy
and by the way SO what if your manager calls you at home, you are sick and that is it!
just say thank you and hang up, NO problem