I started my own business last year, then at the beginning of the year i was taken ill with heart problems so being self employed i could not earn very much, we did inform them but once again never heard anything back from they simply werent interested that my earning had gone down, in my last letter i told them i am due to be fitted with a heart monitor when the court date is due and thats why we asked for an adjornment but they refused point blank to an adjornment even though i told them the courts had said we should but the request to them. They have never tried to come to some sort of arrangement with us at all. Yes we 12 year old.

That would be great, thank you so much

That would be great, thank you so much

Thank you so much for your advice. What should i put in the defence?

Thank you so much for your advice. What should i put in the defence?

Thanks Ell-enn, its such a horrible feeling that we have to go to court and that they havent really helped matters.

Thanks Ell-enn, its such a horrible feeling that we have to go to court and that they havent really helped matters.

Ive had a letter from natwests solicitor today saying they will not agree to an adjournment but may consider a suspended order if we pay £1,500 by the end of October, up our monthly mortgage payment to £470 and pay an extra £31 on top of that. Dont know how they expect us to find £1,500 by the end of next week.

Ive had a letter from natwests solicitor today saying they will not agree to an adjournment but may consider a suspended order if we pay £1,500 by the end of October, up our monthly mortgage payment to £470 and pay an extra £31 on top of that. Dont know how they expect us to find £1,500 by the end of next week.

Hi Ell-enn, thank you for your reply. Yes we do have a letter saying that the arrears will be added to the account. What should i put in the letter to natwest? I sent one just over a week ago and explained everything, i sent a copy to the mortgage dept, one to their head office and one to their solicitor, as of yet no reply, i know they have received them because i sent them all recorded delivery. They just really frustrate me, they have only replied to one of my letters for the past 6 months.

Hi Ell-enn, thank you for your reply. Yes we do have a letter saying that the arrears will be added to the account. What should i put in the letter to natwest? I sent one just over a week ago and explained everything, i sent a copy to the mortgage dept, one to their head office and one to their solicitor, as of yet no reply, i know they have received them because i sent them all recorded delivery. They just really frustrate me, they have only replied to one of my letters for the past 6 months.

Thanks. I have copies of all the letters ive sent and bank statements, even the mortgage statement with all the wrong payments is in the court papers!! I have called them about making a payments and they told me to go into the branch, which i did and they were most unhelpful!

Thanks. I have copies of all the letters ive sent and bank statements, even the mortgage statement with all the wrong payments is in the court papers!! I have called them about making a payments and they told me to go into the branch, which i did and they were most unhelpful!

They are £3,000. They were £1,800 but because of them trying to take the direct debit on the wrong date for the past 6 months we have missed a few more payments as well as occurring more bank charges because of it. They now want £466 a month which again is fine and i have also asked for a paying in book so we can pay extra a month when we have it but still no reply:mad:

They are £3,000. They were £1,800 but because of them trying to take the direct debit on the wrong date for the past 6 months we have missed a few more payments as well as occurring more bank charges because of it. They now want £466 a month which again is fine and i have also asked for a paying in book so we can pay extra a month when we have it but still no reply:mad:

I have received court papers and a date which is the 10th November for a possession order, the lender is Natwest. We got into arrears earlier this year, spoke to them in May they said arrears would be added to to remaining loan and spread over the remaining term, our normal payment was £438, this went up £457 which i said was fine, told them i wanted to change the bank account details and the payment date, they said fine so gave them all the info over the phone. They did change the bank details but never changed the amount or the date, 4 weeks later we receive a default notice, so wrote to them (sent it recorded delivery after reading that i here) they wrote back sort of apologised and said they would put it right, they never did now 6 months later they are still calling for £438 and on the wrong date, then at the end of Sept received a letter from their solicitor saying they were starting possession proceddings, i wrote to the solicitor explained everything, they wrote back said yes they got it wrong but were still going ahead, so ive written back again to solicitor and natwest saying this is not good enough, we have not been given the chance to pay any arrears becuase they havent put into the system properly and explained the reasons why we went into arrears in the first place and about the amount of times i have written to them over the past 6 months pointing out they are still taking the wrong amount and each time we have been ignored, we have proof of postage for everything. I am still waiting for a reply as we have asked for an adjournment as i am currently very ill and we want a chance to pay the amount every month we are supposed to, any advise would be a great help.

I have received court papers and a date which is the 10th November for a possession order, the lender is Natwest. We got into arrears earlier this year, spoke to them in May they said arrears would be added to to remaining loan and spread over the remaining term, our normal payment was £438, this went up £457 which i said was fine, told them i wanted to change the bank account details and the payment date, they said fine so gave them all the info over the phone. They did change the bank details but never changed the amount or the date, 4 weeks later we receive a default notice, so wrote to them (sent it recorded delivery after reading that i here) they wrote back sort of apologised and said they would put it right, they never did now 6 months later they are still calling for £438 and on the wrong date, then at the end of Sept received a letter from their solicitor saying they were starting possession proceddings, i wrote to the solicitor explained everything, they wrote back said yes they got it wrong but were still going ahead, so ive written back again to solicitor and natwest saying this is not good enough, we have not been given the chance to pay any arrears becuase they havent put into the system properly and explained the reasons why we went into arrears in the first place and about the amount of times i have written to them over the past 6 months pointing out they are still taking the wrong amount and each time we have been ignored, we have proof of postage for everything. I am still waiting for a reply as we have asked for an adjournment as i am currently very ill and we want a chance to pay the amount every month we are supposed to, any advise would be a great help.

Ive just read your story and i am really pleased everything has worked out for you. I am having big problems with natwest too, we went into arrears earlier this year after me going self employed and then becoming ill, anyway i spoke to them in may and they said they would add the arrears to the remaining term, they gave me a new monthly payment and i gave them new account number and date for them to take it out on, they didnt do this instead they sent us a default notice so i wrote to them explained everything, they sort of apologised and said they would change it, guess what it has never happened, they are still calling for the wrong amount at the wrong time of the month and yes some months the funds have not been there because its the wrong time, then 2 weeks ago we were sent a court date for a possession claim, i have written to them and their solicitors and have explained what has happened and that i think it is unfair that they have not given us a chance to pay off any arrears due them not doing what there were supposed to back in may, havent heard anything yet, any advise anyone?

Hello everyone, ive joined because i need abit of advise and things i have read on here before have really helped me, thanks