Well a court wont expect anyone to have the odd 24K hanging around to meet their demands...as long as you can prove that you will be able to pay the arrears from here on at a set affordable monthly payment along with your standard monthly payment... it will be suspended.

Have read of the following sticky prepared by our resident expert Ell-enn

https://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

Andy

Thank you

I am pretty nervous but looking at the evidence I have of 20 plus emails asking them for payment arrangement .. sending numerous income/expenditures .. asking since May this year not to have to talk on phone..

I haven’t just ignored them only their calls And asking continually why my mental health has been bad and asking why I haven’t paid and being bullied over the phone is why.

They say that it wasn’t too late and call them but when I did nope they didn’t want to know at all.

What was the basis of your N244 application..?

Have you submitted a budget sheet ?

I didn’t submit anything other than my reasons for the hearing .

. I did make sure to state my affordability and that i would get everything for the hearing.

They only told me today that they wouldn’t accept payment and so within an hour of that I had done n244 form paid and got a date for two days before eviction.

I have income / exp , job letter , copies of all emails I’ve sent since mY 2018

I need to make my statement concise to the judge can see right away

I have medical notes

Complaint to paragon

And now a complaint to FOS

I have SAR and unfair charges and relationship info from stephensons solicitors but that’s not relevant right now to it is it

Do I have enough.. how do I make things concise so the judge sees my proposal and see paragon haven’t acted correctly but also my affordability.

Last question I promise .

I wasn’t able to take in all my witness statement and evidence etc to go with the n244 forms.

My hearing is at 12noon shall I take it in at 9 ish for the courts to give the judge beforehand.???

found an old thread for history too and merged

Ahh thank you I was confused ha !!

Anyone here ?

Not slept anxiety attacks .. I just don’t handle these things well

Please ?

stop panicking..

its the e/end people as busy

you cant do anything till Monday anyway..

they are closed

I appreciate that. Just needed a friendly voice to say what I need to include in my statement .

It’s ok I’ll just have to do what I think and see how the hearing goes Monday

. I just needed support

if you read back in this thread

you already travelled this road atleast once here and again in your other thread

read and follow those past examples.

I just need to know how much to mention in my statement

anything that helps you and explains [briefly] why you got in this position and why you can now pay it.

Do I put that I have a complaint with fos or how back in history do I go and that I don’t believe the arrears amount to be correct

Then say so if its relevant

But remember its just a hearing not an exam about the debt make up

What you really have never abided by is the use of phonecalls and emails advise we keep giving....

You MUST stop ringing them

And you must stop and block their emails...totally..

They are treating you like a fool as you keep jumping everytime they pull your string

..block them...

It makes your position 10 times worse..stop calls and emails !!

But emails are still a paper trail and I felt better sending an email rather than phoning.

you do neither you WRITE you make them write

and when this is done you hit them with all these charges that in 2009/11/14 you were told to do and never did

the loan is probably only their charges now anyway.+ 50% interest each month, they should only be going for eviction on the main account anyway all the charges must be in a sub account and cannot be included in any eviction process.

they are ALL unlawful

mThey said to me on the phone

.. that most of the payment each month is interest and can I really afford that?

My plan is to get this out the way hopefully ( as circumstances changed and I now have a job first time since 2011) pay them the cmi plus £100 and then spend two years getting my credit rating up or how ever long it takes and in that time investigate again these charges and what I’ve actually paid over the years.

I have 13 years left of the loan apparently.

I am going to then once credit better as I have plenty of equity I will add onto mortgage or remortgage so debt is at a better rate but I’ll be trying for a settlement figure once we see what charges come off..

That’s the future in mean time i need the judge to see I can afford which I have proof of .. I’ve made this months payment yesterday early.

. I have proof they have ignored me since May when I asked for a payment plan.. hopefully i stand a chance???

I just don’t know how much detail or what the judge will think is relevant

Will I be able to go early to hearing and add my statement and my income/ exp etc to the file?

Does the judge read before going in to room??

I didn’t get a chance to do a statement Friday as it was a rushed n244 .

I want to appear organised .

I just needed to makes sure I got a hearing booked in for Monday

Morgan, do you have a copy of one of your income and expenditure forms that shows you can afford the normal payments plus the arrears to catch up before the end of the mortgage term?

HB

Yes I have an income / exp i did for step change

Shows I now have the income .

I wasn’t working from 2011 due to having a breakdown which was caused by paragon

initially my dad took over for a bit and we complained to fos due to a catalogue of errors and harassing by them and sought a solicitor

They agreed to a reduced payment for a year.

I now have a job and we can afford payments .

I have been working hard to pay all other debts and tried to stay in touch with paragon but they ignored me since May

then said they were applying for possession but it was ok we could work something out but they then said no they can’t .

i have been printing out all i need, does anyone have anything else i may need

Did u need to see it ?

No, keep it confidential for you. It's just something to show the judge to help your case.

Unless Ell-enn pops up with some queries.

HB

Do u think I have everything covered?

I didn’t send a statement with my n244 form as it was done very quickly on Friday .. do i need to go very early in morning and make sure judge has it on my file before the hearing ??

Yes draft a statement and get to court a little earlier and ask the the Court Usher to place a copy in the file for the DJ....along with you budget statement and proposal.

I have a statement, proof of payment , proof of emails I sent since May , job letter . This should be enough shouldn’t it

The judge isn’t going to side with them if i can show I can pay are they?

Go and relax and watch some TV

I don’t want it to go wrong

It’s hard to switch off with it looming over me. Hope the judge is fair

Apologies, I've not been able to get online over the weekend - hopefully you managed to get suggestions for your N244 from the repossession guide Andyorch posted earlier in the thread. How did it go today?