Hi all i really need advice on this,

i' ve lived at my home for over 33 years,

last year i was diagnosed with diabetes

then had a heart attack,

that drove me into deep depression,

burying my head in the sand and from my wife.

i started gambling,

hiding this from my wife by hiding letters from post

ie bank statements

all letters so she wouldn't find out what i was doing.

next thing i stopped the mortgage direct debit to pay a big bill off

forgot to put it back on

then found myself in arrears leading to eviction.

i am now homeless through this stupidity.

is there anything i can do????

been homeless for 3 days

not spoke to barclays yet because i dont know what to say?

the arrears our around £6,000 plus whatever charges they add on?

i can get a loan to clear arrears but i was told no way?

should i try to appeal at the courts?

if so how?

please help anyone

kind regards steve..

who was the mortgage lender?

who repo'd your home?

why did you not contest it?

dx

What a shame you didn't come to us when you first got the repossession papers, or evem the evition notice - we could have helped you defend.

Unfortunately if the lenders won't allow you to pay the arrears to get the house back, then there's nothing you can do. As for contesting the court's decision - you can only appeal if you believe the judge made an error in law. It's nigh on impossible to get a house back once you have been evicted, unless you can pay the whole outstanding mortgage amount.

Hi

first of all thx for your help,

@ dx it was with Barclays, but there using an asset management team called AMG.

I didnt contest it because we didnt know?

No letters were opened because of my depression

burying my head

hiding from the world,

to be honest I,am such a twit but thats how it affected me unless you have travelled down this road you wouldnt know.

I am rubbish with anything financial dont even look at my banking?

Ask me to rewire your house, plumb a boiler in, etc great with my hands but so so terrible with anything to do with money.

So to cut it short

i got home from work to find two locksmiths in the house emptying the water pipes, changed all the locks?

no bailiff there,

no paperwork just two guys in my home going round everywhere?

@ Ell I was hoping to try and appeal not on the grounds the judge made any mistakes but to hear the truth about what happened?

I am now on anti-depression tab's trying to cope and get my head sorted.

I am going to offer all arrears back.

Any advice would really be appreciated.

Kind Regards Steve.

If you have lived at the house for 33 years...what were the details of the mortgage...term and date taken out etc etc..?

Andy

Hi it was over 25 years but after 24 years i split with my partner and had to remortgage

thx Steve

Thx for the reply's i really appreciate all your help advice.

Update

i've managed to get it back into court for a hearing,

but god only knows how to speak to a judge?

anybody been in this situation who won there case?

I have tried to negotiate with Barclays today to keep it out of court

but they said the only way back into our home would be to pay the full mortgage and arrears.

Having spoke to a solicitor he said give Barclays a ring because it as been known that they may want to settle out of court?

but they aint budging.

Maybe i wasn't speaking to the right person? (it was the repossession team).

I offered to pay back the arrears in full.

Don't really know what to do next i think i have exhausted all avenues.

Please any advice at this stage.

Kind regards Steve..

What process did you use to get a court hearing ?

N244 on medical grounds due to illness.

thx

When is the hearing?

Hi it's this Friday noon, sorry for the slow reply's its difficult being homeless getting to use a pc.

kind regards Steve....

lost the court judgment today.

offered Barclays £10,000 to clear the £6,000 arrears

but they said pay the mortgage off in full (£126,000) or nothing no compromise what so ever, just feel bullied.

i was diagnosed with diabetes two years ago and last year had an heart attack.

Very ill that's what caused this terrible mess in depression.

No sympathy from Barclays. dont know what to do if anything?

Please any advice...

Kind regards Steve....