Hi

we were served eviction back in Juy and paid a company £500 to stop this, it worked

we have since been paying NRAM part payments every week and that covered our monthy payments, we paid over the phone due both been self employed and NRAM been dirty and taking twice a month .

however on 2 occasions they have processed it later and it not leavng our account on time.

they stated we had had not kept condtions.and insisted we done additional income and expentedtures.and increased our payments.

we kept obliging and everyime my husband rang to make a payemnt new I&E where compleated .

in July the court agreed we pay our monthy of £425 and £75 of arrears

we are now jumping through hoops and paying £200 per week and they are ringing every day for futher money and insinuating we cut utility bills, food , and give them more

my husband is rOFSTED registered chilminder and needs our home to work and our daughter is 10 yrs

FEELING VERY STRESSED

To ADD

IN 3 weeks we have done 5 I & E forms,, continued paying £200 per week and in november alone they recieved 5 Weeks of £200 = £1000 .....which is £425 more than court agreed in July,, we have also been critised, judged, spoke down to . and as for christmas,,, well thats off

I have downloaded a N244 form but need some help as where to go from here

Hi, I'm at work at the moment so don't have much time - have a look at the guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession there are examples of how to fill in the N244 and write a statement to go with Q.10 of the form. You can also download the budget sheet we normally use (it's in the second post on that thread).

I will try and get back to you as soon as I can but you will need to get those forms to court tomorrow as your eviction date is Monday.

thank you so much

You will need to attach proof of all the payments you have made since the court order in July to show you are up to date.

i have already done that bit

thank you

Hi Deebs76

How much are the arrears and how long have you left on the mortgage?

If there was an order made by the court then they can't change that.

Also they will be adding arrears fees to the account of around £50 per month, do you know how much they have added to the account in total?

arrerars are £3,533

and court said from 1st August we pay £525 total and to date we have paid £2,400

we have a toghether orgage, and we where owed a redress from their CCA blunder

Hello there.

Since you have stuck to (and bettered) your payment arrangement you should consider a formal complaint. You would do this first to the lender. if the lender's final response is one which you are not happy with please consider taking your complaint to the Financial Ombudsman Service: fos.org.uk

As the others have said, so long as you have stuck to the terms of the court order, NRAM should not be acting in the way that they are. If they do try and take it back to court they would need to explain to the court why they have done so. I'm not sure the court will be happy with their behaviour.

I really hope you get things sorted.

Best wishes,

David @ NDL.

thank you debt line, what about the situation about eviction notice on monday

Ok guys

what do i do now

Tell the court. Nram are way out of line.

morning

if i have evidence of paying, and can prove we have kept our agreement do i still need an income and expenses

Hi Deebs76.

We had a similar situation with NRAM last month. Take in all statements showing the payments that you have made, plus any extra payments over the agreed amounts. With our case the opening statement from their rep was that we had history of not paying on time and were therefore a bad risk. Without us having the chance to respond the judge stated that evictions were normally sort when the arrears increased but in our case they hadn't so what were NRAM doing. When we did speak we could show that some of the confusion was down to NRAMs system of allocating the payments that had been made on time as set by the court. End of the story was that they were slated by the judge for bringing the case to court and not to waste the courts time. We did provide I&E to the court and were able to explain to the judge, when asked, how we could afford the payments. Stay positive and just gather all the info and try not to get flustered when their rep starts talking.

advice please

Hearing on 22nd July 2013 - outcome - we pay NRAM

£441.10 our Contractual monthly agreement

Plus additional £83.90 per month of arrears

Total to pay NRAM from August £525.00 per month

On Friday 19th July prior to court hearing 22nd July NRAM received £500 which they informed us was August payment £444.10 & £55.90 of arrears

Due to previous issues with standing orders/direct debits with NRAM , and giving we were just getting back on our feet a regular call to NRAM to make payments via debit card was the safest possible option for us.

In August and in attempt to resolve our issues and redeem our reputation with NRAM we kept regular contact via telephone and discussed weekly and very regular part payments in order to maintain our court agreement of £525.00 per month.

They accepted this and In August and in attempt to get back on our feet and giving they informed that prior to court hearing the £500 we paid. we also paid a further :

12th August £100

21st August £100

29th August £100

9th Sept £100

21st Sept £150

Total £550.00 Paid

Assuming this was part payments towards Septembers payment of £525

Every single week upon speaking to NRAM we informed them we would continue making regular part payments and be as open and honest regarding our situation , NRAM constantly where trying to get us to complete additional Income and expenditures forms and said this was protocol , and on many occasions My husband had to say “look do you want my money”

During October we paid

2nd Oct £110.00

14th Oct £120.00

21st Oct £120.00

7th Nov £200.00

Total £540.00 paid

End of October we queried why when we where calling up to make a payment was the money now not leaving our account for an additional 4-5 days , NRAM informed us that it depends on when their finance department processes it, and it depends on if it falls on a weekend.

Once again NRAM where pressuring us to complete Income and expenses and try to start paying more of our arrears and now payments where been processed late they would start contacting us , we stated that but we where keep in contact , making payments ect ect.

We tried to reason and agreed we would try to pay and in the hope NRAM would understand and try to work with us .

November Payments

15th November £200

21st November £200

On the 20th November we received eviction notice on Monday 9th Dec at 11.30 am

We contacted NRAM to try and resolve this , we where informed that again we needed to complete a income and expenditure and fax our payment proposal prior to eviction date and continue making payments

We paid

27th Nov £200

3rd Dec £200

We have maintained contact with NRAM, in attempt to resolve this , our November phone bill was £89 through contact with NRAM and the still daily contact us to receive more money and have stated we reduce utility bills, shopping and maybe borrow of family and friends .

From August 1st 31st November

IT was expected NRAM should have received

August £525.00

September £525.00

October £525.00

November £525.00

Total £2,100

Our Bank statements to date show they have received £2,400

From August 1st 31st November

IT was expected NRAM should have received

August £525.00

September £525.00

October £525.00

November £525.00

Total £2,100

Our Bank statements to date show they have received £2,400

That is exactly how you should show it in your statement - also say that NRAM have been constantly harassing you to complete further income and expenditure sheets and asking for higher payments than the court ordered. Photocopy your bank statements and use a black marker pen to cross out all other transactions except the NRAM payments - affix those to the N244 also. Before handing everything in to the court make sure you keep a copy of it all for yourselves so you have a set to refer to in the hearing.

If you have a phone bill showing the cost of the calls to NRAM affix that also and reference it in the statement.

When you hand the form into court you will need to pay £45 fee and it will have to be cash. As the court staff if they have any duty advisers in attendance on the day of your hearing.

Do you need any help with your statement ?

yes please any help the better

OK I'll draft something and affix shortly, but you must get the forms into the court before 2pm. Have you completed the rest of the N244 ?

Nearly finished the statement - Is the mortgage in joint names and do you have any children living at home ?

pretty much will you please email it as i cant open PDF on this dam thing

Nearly finished the statement - Is the mortgage in joint names and do you have any children living at home ?

Can you answer this please so I can finish the statement

It will be a Word document not a PDF

yes joint names..

thank you so much