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Ell-enn

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Ell-enn last won the day on July 27 2018

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  1. Make sure you take a couple of photocopies of the letters in case we need them for court.
  2. I really don't think you will lose your home for the sake of £1,000 of arrears which can be cleared in less than 12 months. Send the letters I've posted above and wait and see if an eviction notice appears - we can then defend that in court. Make sure you send by Special Delivery by 1pm so they definitely get them tomorrow (I'm afraid it will cost £5 per letter but worth it as it may stop them issuing an eviction notice)
  3. Hi Draft letter affixed. you need to put your address at the top, the lenders name & address under the date and also put in the mortgage account no . You should send these letters by Special Delivery and keep the postal receipts so you can check on royalmail website to print of proof they received them. Send one copy of the letter to Halifax (make sure you have the right department) and one copy to the solicitors with a covering letter as below: (your address, their address and mortgage account no as the other letter - then put: Please find enclosed copy of a letter send to your Client Halifax Building Society. Yours faithfully, XXXX Enc. Tash 1990 Letter.doc
  4. OK, I understand what you mean now - I think offering £115 is fine - that would mean you wold clear the arrears in less than a year, quite acceptable. I will draft a letter for you in the morning as I have to go out shortly.
  5. Also, what is the £75 for entertainament?
  6. Hi, you've only put 100 for mortgage arrears ? I thought you were going to offer 350/400?
  7. No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you?
  8. OK, in the meantime can you answer the following questions please: Is the mortgage in joint names What was the reason for missing the payments under the suspended order? How long is left to go on the mortgage term? If your arrears are only just over £1,000 then offering £400 per month is perhaps too much - you have children who will need things unexpectedly plus any unforseen items in the home breaking down, or car repairs? You need to make the payments completely maneageable. I have affixed the budget sheet we normally use - it calculates automatically as you fill it in and will show you what you can actually afford to offer. Let me know when you have done it. You can then send it with the letter and also it will come in handy if you need to apply to the court for a hearing. Budget Sheet.xls
  9. Hi, if you need help with the letter let me know and I'll draft something for you.
  10. Hi, if they won't allow you to make an arrangement with them and issue an eviction notice you can apply to the court on a N244 form to ask for a hearing to get the eviction suspended and we can help you with that application. Obviously it willl be better if you can get them to agree to you making payments to stop the eviction notice. I would notmally advise you send a letter to the solicitors (can help with wording if needed) then if you have to go to court you will be able to show you tried to come to an arrangement. Your arrears aren't high (in comparison to some cases) and I can't see a judge taking a home away from a family for an arrears amount that is manageable in a reasonably short space of time.
  11. Hi, can you please set out some details fairly briefly: How many months payments have you missed ? How long is left on the mortgage ? What was the reason for missing payments ? Have you completed any of the court forms yet? Have you made any offer to make payments towards the arrears each month either in writing or on the phone ?
  12. Brilliant news - told you you'd be OK Glad duty legals were there, they can be a great help. Always worth chasing any charges which are unfair.
  13. Things won't go badly - you'll be fine - I'd suggest you get there for 9.30 In the event of the unthinkable happening you could ask the judge for time to move, do you have any children living in the property?
  14. Hi, make sure you get to the court in plenty of time and ask if there are any duty legal advisors - they can accompany you into the hearing and support your case. If the lender's solicitor approaches you and tries to get you to agree to anything, just say you'd rather let the judge decide. Good luck, stay positive.
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