Hopefully my statement is attached !! Timetostandup N244 Statement.doc

Hi Ell-enn, hope you had a good weekend, would you be able to help me with my statement today so I can go to the court and file it tomorrow.

Hi Ell-enn, hope you had a good weekend, would you be able to help me with my statement today so I can go to the court and file it tomorrow.

Excellent news... gives us all something extra to fight for

Excellent news... gives us all something extra to fight for

Ok thankyou, I got a template you done for someone else so I do something with that and send it to you to look at.. Many thanks for your time and help again.. I spent the last two days constantly ringing CAB, always on the phone, was going to go down there today and found out that from 13th Nov it is longer a drop in centre !!!

Ok thankyou, I got a template you done for someone else so I do something with that and send it to you to look at.. Many thanks for your time and help again.. I spent the last two days constantly ringing CAB, always on the phone, was going to go down there today and found out that from 13th Nov it is longer a drop in centre !!!

Thats the stupid thing, as I didnt reliase it was returned slowly each few days you withdraw money, buy food etc... and you dont realise... I feel stupid about not looking properly at it ! I got the budget sheet from another thread, and will hopefully get confirmation letter in the next day or so about her job. The full arrears are £4.5k but speaking to Cobbetts yesterday they said if I can pay £2.5k by 10th they will not seek possession, sadly I dont have that.

Thats the stupid thing, as I didnt reliase it was returned slowly each few days you withdraw money, buy food etc... and you dont realise... I feel stupid about not looking properly at it ! I got the budget sheet from another thread, and will hopefully get confirmation letter in the next day or so about her job. The full arrears are £4.5k but speaking to Cobbetts yesterday they said if I can pay £2.5k by 10th they will not seek possession, sadly I dont have that.

When I was given a suspended repossesion order last december, I took someones advice on here and switched to a 6 month interest only mortgage. Which worked well but then it reverted back to normal and the payments increased even more.. However I reverted back another 1 month interest only as an emergency. In the meantime I then negotiated to increase the term to 33 years, filled in the paper work and sent it off, and started paying that new rate, then 3 months later I got a bad letter from Cobbetts (Solicitors) saying I not made the correct payments. It turns out that Accord never received or processed the change. We have now switched, and I sent it Special Delivery... but to add to my mess, I just found out last months payment did not go through as I was a number short when I typed in there account number, but I didnt realise it had been returned.... I just paid this months payment. To summarise I am to pay the monthly payment plus £75... There is some good news, my wife has been offered a part time job to start in January, will this help our case ?

When I was given a suspended repossesion order last december, I took someones advice on here and switched to a 6 month interest only mortgage. Which worked well but then it reverted back to normal and the payments increased even more.. However I reverted back another 1 month interest only as an emergency. In the meantime I then negotiated to increase the term to 33 years, filled in the paper work and sent it off, and started paying that new rate, then 3 months later I got a bad letter from Cobbetts (Solicitors) saying I not made the correct payments. It turns out that Accord never received or processed the change. We have now switched, and I sent it Special Delivery... but to add to my mess, I just found out last months payment did not go through as I was a number short when I typed in there account number, but I didnt realise it had been returned.... I just paid this months payment. To summarise I am to pay the monthly payment plus £75... There is some good news, my wife has been offered a part time job to start in January, will this help our case ?

Cause I just been served an eviction notice, and just looking for inspiration and reassurance I suppose

Cause I just been served an eviction notice, and just looking for inspiration and reassurance I suppose

You mention you been 5 times previously, had they served an eviction notice on each time ?

You mention you been 5 times previously, had they served an eviction notice on each time ?

Thanks, I have downloaded the financial sheet and the N244 form, would someone be able to help me fill it out, I think my arrears are around £4k... The thing is I naturally live month by month, and am due to pay the next mortgage payment, but if I am to lose I would need that money to put down as a deposit... I am so messed up at the moment, got two girls aged 6 & 9..

Thanks, I have downloaded the financial sheet and the N244 form, would someone be able to help me fill it out, I think my arrears are around £4k... The thing is I naturally live month by month, and am due to pay the next mortgage payment, but if I am to lose I would need that money to put down as a deposit... I am so messed up at the moment, got two girls aged 6 & 9..

I missed a couple of payments of the arrears whilst unders suspension, mainly by mistake when I change from Intersest only, and then extended the term, but it didnt go through in time. Now out of the blue just been served an eviction notice... Is this the end, is there any way I can still sort it out ? Please help, my wife is in tears and I am trying to be strong, and reassuring her.

I missed a couple of payments of the arrears whilst unders suspension, mainly by mistake when I change from Intersest only, and then extended the term, but it didnt go through in time. Now out of the blue just been served an eviction notice... Is this the end, is there any way I can still sort it out ? Please help, my wife is in tears and I am trying to be strong, and reassuring her.

Totally agree or leaflets on the tables... I think something like that would help lots other people

The defendants did not show, when called the solicitor got up and went in on there own. Made me mad that all the solicitors where sitting with each other.

I think the key thing with this forum, is that you can be open and honest, and no one judges you. We all in the same boat together, and in a way it is comforting, and does give you the strength. Yesterday there must of been 15 repo hearings in the time I was there, and I would say 50% of them did not represent themselves.

Read yours with interest, and just posted mine, the common thing is that someone from goverment should sit in the waiting room and they will be shocked.... Glad you was offered representation, our usher was a miserable cow....

Ok I have read many articles about repo and people say don’t worry the judge is nice etc.. but what really happens… This is a step by step of my day at court, to help those that are going through this as well, and to give them the confidence to turn up, because believe me a lot of people don’t have the bottle to turn up…….. Background:- I am in arrears with Accord Mortgages, for around £2900, which is one complete missed payment and several part payments. Anyway for the details check out my other thread, that’s why I done this one…. Right I faxed over a statement to the court today courtesy of Ell-enn, I have also sent a defence to the court. My hearing was at 11:30, so I arrived for 11am plenty of time for traffic and parking, my wife attended with me as we went united, anyway as we walked in the first thing that hit me was the amount of people there, and the people in suits all stared at us, however I didn’t know why, I made my way to a grubby desk in a corner, whilst my wife headed to the loo, being very nervous. As I approached the desk the lady, who was so miserable words cant described grunted “can I help you”, being nervous I said “I have a 11:30 hearing” I then saw my name on her sheet TimetoStandup v Accord, and I pointed to it, she then wrote my name by it, and grunted “is it just you” to which I politely replied “my wife is here too”, that’s when I noticed another name Mrs Coldheart, well that’s not her name but she acted like it. “Mrs Coldheart, TimetoStandup is here” grunted the Usher, then a woman approached me and introduced herself “Hi I am Mrs Coldheart, and I am here to represent Accord, can we have a quick chat” “No we can speak in the judges chamber” I replied “Well the judge would of expected us to of had a quick chat out here” she slimed At that point I remembered I had a statement to pass to her, and I replied “ I will speak when my wife arrivcs” At that point my wife arrived, and she introduced herself to my wife, and again asked her if we can chat, again my wife said “No not really” I then with my wife in attendance passed her the statement to which she read. I had originally switched from repayment to interest which meant I agreed with Accord to pay £77 a month arrears, however in 6 months time it would revert back, so I wrote in the statement that I then wanted to pay £30 a month off the arrears. She read it and said “ I will have to object to that, but you can apply to the court for a reassessment, but it will cost you additional solicitors fees” She then said “excuse me I got to see another client” so guys do you get my drift, all these slimey solicitors do this all day, they are local and where representing loads of different companies. As we was seating down, Mrs Coldheart 5 mins later approached us and said “I see in your defence you are disputing your arrears” “Yes” “Why is that” Coldheart said “Our letters from Accord & Cobbetts (their solicitors) contradict each other” “Why that” Coldheart said “Letters say so” at this point she seemed to panic and said she would ring the office, The witness statement said we owed £3.4K………. Then the grouch in the corner piped up “TimetoStandup v Accord” we got up and started to head to the desk, then Mrs Coldheart on her phone shouted, its not 11:30 yet and I am on the phone, so its not time !!!! To that we had to sit down, then stone us several other poor souls went in, and then she went in with a different client, then came out then went back in, then at 12:10 we was called in, as I walked in I past the desk I noticed my faxed statement on the Grouches desk.. strange I thought. To be honest, at this stage our hearts where in our mouth as we made our way to a room, the room, was light and had several rows of chairs, and it was me, my wife & Mrs Coldheart. The judge was a lady around 45 – 50, and smiled at us and asked us to take a seat, The judge spoke to Mrs Coldheart first, asking for the details, Mrs Coldheart fluffed around with her paperwork, not really knowing what she was doing and then the judge turned to us and very nicely asked “ do you know what I am being asked to do” To which we replied “yes” So she wrote the figures down stating we are to pay £77 a month etc…… Then I asked the judge had she received my fax…. “No” she replied So I gave her a copy, she asked Mrs Coldheart had she seen it to which she replied “yes” Mrs Coldheart said she has to object and like she explained to us outside we could apply at a later time, as who knows what could happen. This actually got the judges back up, and she then criticised the mortgage company and there protocol, asking why cant the repayment just be put on the back of the term, and that its about time mortgage companies sorted themselves out.. You could tell the judge was annoyed and had sympathy for us, she knew the companies could do more to help, but was powerless… With that she said we was on a suspended repossession as long as we pay the payments with £77 additional we would be ok, she also stated that it was obvious we had legal advice but would have to seek more to avert more problems within 6 months. With that we said thankyou, and Mrs Coldheart went into the waiting room for the next poor soul….

Hi all, I am back with a Suspended Repo, I will later tonight do a full account of today, so it will help others to know what to expect.