HI sorry for the late reply,,, I still have not really took it all in,,, the duty solicitor was fabulous ,, suggested we we make an official complaint to The ombudsman, as when the final figures where done by NRAMs acting solicitor the had actually served us an eviction order for what they suggested was £56.40 short of breaching our previous suspended eviction order, however our bank statments proved we had actually paid £520 extra as voluntary payments, above our court order set in July

Up yours nram you god dam mother truckers >>>>>>>> happy days xxx

poor sleep ,,, feeling very sick and worried,,, 2 weeks ago today i actually suffered a misscarriage ,, at 9 weeks ,, and believe it was possibly stress related,, and the advisor actually told my husband on Tusday when we made a payment,, that we should consider a paypday loan to pay our arrears off, as a house on christmas day should be our priority

what are peeps ,, thoughts about how tomorrow will go for us

Home recovery is whats on our bank statement

sorry for typo errors,, i have been up since Tue , trying to compromise with NRAM and getting our info together

in july they charged us £500 for service prior to Hearing and we have also paid NRAM £500 payment as they siad it would stop eviction,, judge even said to me ont he day ,, please if you ever find yourself battling with NRAM dont pay them ,,, he was lovely ,, and as i was only expecting to drop papers in to court i had my daughter with me and really made her at ease,, i hope tomorrow they are just as understanding ,,

i was asked to go at 9.50am tomorrow and chat to duty solicitor

Yes i did attend ,, but back in July when we paid £500 for the service, i was asked to print forms off and take to court and wait to be given a date of hearing, however the judge agreed to see me there and then, and literally read our papers, and was very supportive towards me and. siad this was not up for discussion , NRAM and accepted our payment terms in a flash, so NRAM had no time to get a represetative nor was there time for Solicitor, i was in court room 3 mins

Yes , they also informed NRAM , and maybe they will send a representative ,, what will they ask me

thank you ,,, are we in a postion to claim charges back ,,, we also have a an outstanding PPI with NRAM , which is currently with Ombudsmen,, they have accepeted its on our account , but did not respond in the time allocatedm, we have on several occoasions tried to use our PPI but has been declined. what are general thoughts of how it will go tomorrow ..

oooo thank you peeps ,,,,, heres hoping

Hi Update .... sorry i left in a mad dash as the court is 40 mins from my home,, spoke to duty solicitor who seems comfident this eviction will be suspended on the given information,, however there was no judge on duty and hearing is 10 am tomorrow morning, still feel very scared and worried the judge will not our side

my husband is also a childminder working from home

sorry internet crashed yes a 10 yr old daugher

and do i just take all this to the court,, and hand over,, we paid £500 in desperation to a company to this last time

thank you so much

yes joint names..

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

yes please any help the better

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

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 . 　 　

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

Ok guys what do i do now

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