help needed please

[laura2020]

Hello, i am really seeking advice from anyone who can help me.

I am writing in reference to my brother who owns a house and the mortgage is soley in his name, we found out that he has been getting himself into debt and not been paying things off, he has missed numerous mortgage payments and loan payments and has now received a CCJ and has to appear in court next week.
They have also threatened reposession and i really dont know what i can do to help him, if there was some way of transfering ownership of the property it wouldnt be so bad but i can not afford to take on 2 mortgages is there anything at all i can do to stop them reposessing?

thank you all

[Ell-enn]

Hi there Laura, just need a bit more information before we can advise you further.

What does your brother have to appear in court for?
When you say they have threatened repossession, what exactly has he been sent? a letter, or court documents?

How many months in arrears is he?

who is the mortgage company?

Is he able to make mortgage payments going forward together with an amount towards the arrears each month?

Kind Regards

Ell-enn

[laura2020]

He has to appear in court for not making any payments on a loan he had taken out on the house last septemeber im not sure who this was with.(or so he says i will be looking at the ccj tonight)

they have threatened repossession with court documents

Im not sure how many months in arrears he is (again should find out later)

the mortgage company is Mortgages PLC

He will not be able to afford to pay all bills and his mortgage payment going forward due to CSA. I have been helping him to try and pay bills but get nothing in return but dissapointment

thanks and sorry i dont have all the exact answers

[Ell-enn]

Hi, I take it that the court hearing is for a secured loan?

I really need to know the correct situation regarding this court hearing for the loan and also what he has received from Mortgages PLC regarding the arrears.

Can you get him to fill in a budget sheet which you can download here:
National Debtline England & Wales | Personal Budget Sheetwe will need one of those if we are to defend possession. However, if as you say, he is unable to sustain payments going forward I'm not sure what we can do - but will certainly try.

If he has any other loans and credit cards which are taking up a good portion of his income, then he may need to negotiate token payments with them in order to concentrate on the mortgage and secured loan payments.

When you let me have the information, we will see what can be done.

Kind Regards

Ell-enn