Hi.I am sorry as i don't know how to start a new thread but i need some advice. I owe £1700 to somebody. They hired a collections agency. I did owe more but paid 800 so now it is 1700. To cut a long story short i have got home today to read an email stating as the Statutory Demand has expired have i made arrangements to pay before they proceed with Bankruptcy. The last correspondence from these people was beginning of April when they said they had passed the demand onto a server and must wait to be served. To date i have had no demand served. I have emailed them back to ask who served it and how was it done and on what date. I will await there reply. My questions are how can i prove i haven't been served and if i cannot prove it how long is it likely to be before a bankruptcy hearing is likely to be?? any help gratefully received.

Hi.Just to let you know it was SUSPENDED.!!!! Judge lovely,even mortgage company solicitor was a nice guy. Phew!!!!! Never want to be in this position again. I must stress that the court situation isn't scarey atall but as you are anxious you can't help feel worried. Thanks Ell-enn and sorry for all my messages. Donation to CAG on it's way.xx

ok.will update wednesday.xx

Ok thanks you so much.xx

Yes i have proof of my job. They are saying the arrears are what i have stated claimed for charges etc before. Not sure about statements regarding charges. Arrears add up to 3.5 months. xx

No the arrears are around 1800 now,just over. We are offering 150pm. yes now qualified as a teacher. xx

Hi.They were 5365.84.paid 3500 exactly. could pay another 300 if necessary. xx

yep i think thats better.Many thanks for helping.xx Do the mortgage company really need statements etc.Also if they were willing to accept monthly payments for charges etc why wont they now ?? Also i am not sure if the charges are correct anyway. I will be back online later so will check your responses.xx

Hi I am unable to open the budget sheet?? As for arrears well they were paid off completely last december to stop an eviction.We then intended to pay monthly etc etc.Then our tax credits were stopped due to a mistake and the tax office changed my husbands tax code.Also my income went down a bit as i was training as a teacher.All of these things saw us get behind within the first month of the year.In july they applied to the court.We didnt attend as we was too scared (stupid),the judge granted 28 day possession plus money order for all costs etc.When i contacted mortgage company and their solicitors they didnt mention costs etc just arrears needed to be paid.In september i was told if i could clear arreras they wouldnt apply for evicition and we could come to an arrangement for the costs etc.This was the first time i had been told anything about the costs.We was unable to pay it so they applied for the warrant which has taken 6 weeks to arrive.Two days before it arrived we received the 28 possession order from the court for the first time. We have maanged to pay 3500 off of 5300 arrears. I called today to try and come to an arrangement but he wanted statements,payslips etc,something never been requested before ,nor in september had we been able to clear them. It is in joint names and we have two children aged 14 and 5 years.The youngest is due to have his tonsils out on 18th nov which although not a major op requires 2 weeks at home after as can be bad afterwards. We was proposing a suspension.We could even at a push pay decembers payment up front??? let me know if you need anything else. xx

Hi hope i have posted this in the right place.xx

Hi DEBFM.How long did you have to wait for the eviction notice from when they applied.I am currently waiting to receive it then submit N244.X

thanks for your help.x

Hi yes my husband did.Does it make a difference?

Thank you all so much.It is so easy to start thinking stupid things when you are looking online.xx

I just rang the court to see if anything had been actioned yet,she said No.She read out the decision made by the judge as to date i haven't received one and it says about the 28 day order then says not to be actioned without authorisation??any ideas?

I also meant to state before that about a week after the decision was made i spoke to a woman at the mortgage company to say i hadn't received anything in writing and to clarify the 28 day etc etc.I really wanted to know if day 28 was the eviction day.She said no it wasnt but it could be the next day if we haven't paid by then.I am gathering from your responses this isn't correct as we are supposed to get notice.I guess it was just scare tactics??

Thanks so much.Sound like a right nutter lol xxx

Many thanks for the reply. Just getting a bit panicky that's all.Until it arrives then i will try and stay calm . When they do apply does it go straight to the bailiff or is there a bit of paperwork involved? thanks again

thanks so much.xxxxxx

Thanks so much for the reply.I have tried to explain to them but they aren't intersted in holding off.I just wanted a rough idea that if they do apply tomorrow how long i was looking at roughly until the date comes through as i should have the funds in around a week. many thanks for your help x

Hi just a quick note really.On the 20th July the judge granted a 28 day possession order.This to my calculations means until 17th August.Does this mean they can apply to the court tomorrow am for an eviction or do i have until close of business tomorrow to get it paid.I am hoping to get the funds this week i just wondered what the situation was. Also when they apply to the court for the eviction how long will it take to action it etc??? was hoping for a week atleast. many thanks to all who have time to reply xx

Hi Doe anyone know what to expect when attending court infront of a court officer to explain non payment of a judgement?? just want to know the procedure etc many thanks

Thank you all so much.The lenders representative had loads of case law he was throwing around saying this and that.Most of it i didn't understand.The judge seemed a bit knarcked that he was undermining him.I will see if they do appeal.The judge said he wouldn't give them leave to so watch this space........ Thank you all so much for your comments though.When you come out of court whether you win or not you feel very strange and a little scared.I feel more scared now than last night.I think that's because it has actually happened. Love and best wishes to you all and anyone going through anything similar at the moment xxxxxx

Thank you so much for your advise.I am just getting paranoid. Also i keep reading good stories and bad ones so i should just relax a bit have a good weekend xx

Thank you for puttin g my mind at rest.Have you heard of this sort of thing before,wanting to appeal etc? many thanks