Ell-en just to let you know i did however quote that i thought the claiment has acted contrary to the guidelines set out in the civil justice council consultation paper-mortgage arrears protocol and the recent government guidelines for lenders seeking possesion which i have based most of my case upon hope this works!!!! sophouse26

Ell-en just to let you know i did however quote that i thought the claiment has acted contrary to the guidelines set out in the civil justice council consultation paper-mortgage arrears protocol and the recent government guidelines for lenders seeking possesion which i have based most of my case upon hope this works!!!! sophouse26

Hi ell-en, no i didnt quote the norgan case law if you could then this may prove to be helpful many thanks Sophouse26

Hi ell-en, no i didnt quote the norgan case law if you could then this may prove to be helpful many thanks Sophouse26

Thanks Ell-enn. Well after reading the forums I did put an N244 into the courts just now and have a hearing for 2.00pm today! I knew that time was not on my side and on the Q10 I did write quite a lengthy explanation and included a budget planner and a statement from my partner. Not sure if this will be info overload but was desperate and short of time. Luckily I took it this morning as the judge is only in court today and I would not have had an appointment till next week which would have been too late!! Do you think it is worth me contactnig the lenders again to see if they will listena dn take up the offer - surely this court business can't be doing them any good either??! Well will keep you posted but feel very doubtful and not sure what I am going to do should the worst come to the worst ...can a family be house in 3 working days? Thanks again Ell-enn. SHould things go against us aare there any other avenues of appeal once we have been evicted? Many thank

Thanks Ell-enn. Well after reading the forums I did put an N244 into the courts just now and have a hearing for 2.00pm today! I knew that time was not on my side and on the Q10 I did write quite a lengthy explanation and included a budget planner and a statement from my partner. Not sure if this will be info overload but was desperate and short of time. Luckily I took it this morning as the judge is only in court today and I would not have had an appointment till next week which would have been too late!! Do you think it is worth me contactnig the lenders again to see if they will listena dn take up the offer - surely this court business can't be doing them any good either??! Well will keep you posted but feel very doubtful and not sure what I am going to do should the worst come to the worst ...can a family be house in 3 working days? Thanks again Ell-enn. SHould things go against us aare there any other avenues of appeal once we have been evicted? Many thank

Also has anyone else had such ahrsh dealings with DB mortgages? they have not offered any help or advice to me. I have had no info on what to do when your home is repossessed and when I try to speak to someone I got told by an advisor that they cannot do anything as an account manager makes the decisions. WHen I ask to speak with an account amanger I get told one will call me back adn then never does or the same advisor will phone back telling em the account manager is not willing to accept anything else. I thought things were supposed to be changing and as I can easily afford my repayments and arrears payments now, I thought they were supposed to be more wiling to work with borrowers to come to a solution. Edeus were much more understanding and easier to talk to , I cannot understand why DB are so harsh and they have only ahd the account 2 months!!!

Also has anyone else had such ahrsh dealings with DB mortgages? they have not offered any help or advice to me. I have had no info on what to do when your home is repossessed and when I try to speak to someone I got told by an advisor that they cannot do anything as an account manager makes the decisions. WHen I ask to speak with an account amanger I get told one will call me back adn then never does or the same advisor will phone back telling em the account manager is not willing to accept anything else. I thought things were supposed to be changing and as I can easily afford my repayments and arrears payments now, I thought they were supposed to be more wiling to work with borrowers to come to a solution. Edeus were much more understanding and easier to talk to , I cannot understand why DB are so harsh and they have only ahd the account 2 months!!!

Hi there well, to cut a long story short I have a SPO over my house and due to demotion at work and lowered income, as well as my boiler packing in, I have been unable to keep up repayments. I agreed an extra £300 per month towards the arrears as EDeus advised this was the bare minimum they would accept. I did not get any legal advice ( silly I know!!). Anyway I have been unable to keep up the payments/arrears repayments and now have an eviction date of 15/12/2008 ( I only recieved it this Monday!!) 7 days notice is this right? Though the warrant says 13th Nov - so why so long to come through? I am now panicking as I have a 7 year old child with me. My partner has offered to move in and take over the arrears as £250 per month ( this menas they will be clear in under 5 years and still 24 yrs left on mortgage). My mortgage has been taken over by DB MOrtgages ( I think Edeus went bust!!) and as my income has now gone up, I have offered both verbally and written the new proposal of £250 per month plus normal payments. DB have point blank refused as previous agreements have lapsed and they do not respond in writing to anything!! When they first took over I was sent a letter with no contact details on telling me not to make payments to Edeus anymore and to wait for them to get in contact. THere was no telephone number on this letter and no new bank details provided. THey did not get in contact until 11/11/2008 at which point 2 months was owed! They have said they want 50% of the arrears which is approx £5000 to stop possession. Obviously I cannot afford this, I think my proposal was fair and I sent a budget planner to show them my affordability. I even put my partner on the phone who offered to give them card details to store to guarantee future payemnt and they refused! I am now at my wits end as how can I find a home for myself and my daughter and move in in 5 business days? Is there any hope left for me?

Hi there well, to cut a long story short I have a SPO over my house and due to demotion at work and lowered income, as well as my boiler packing in, I have been unable to keep up repayments. I agreed an extra £300 per month towards the arrears as EDeus advised this was the bare minimum they would accept. I did not get any legal advice ( silly I know!!). Anyway I have been unable to keep up the payments/arrears repayments and now have an eviction date of 15/12/2008 ( I only recieved it this Monday!!) 7 days notice is this right? Though the warrant says 13th Nov - so why so long to come through? I am now panicking as I have a 7 year old child with me. My partner has offered to move in and take over the arrears as £250 per month ( this menas they will be clear in under 5 years and still 24 yrs left on mortgage). My mortgage has been taken over by DB MOrtgages ( I think Edeus went bust!!) and as my income has now gone up, I have offered both verbally and written the new proposal of £250 per month plus normal payments. DB have point blank refused as previous agreements have lapsed and they do not respond in writing to anything!! When they first took over I was sent a letter with no contact details on telling me not to make payments to Edeus anymore and to wait for them to get in contact. THere was no telephone number on this letter and no new bank details provided. THey did not get in contact until 11/11/2008 at which point 2 months was owed! They have said they want 50% of the arrears which is approx £5000 to stop possession. Obviously I cannot afford this, I think my proposal was fair and I sent a budget planner to show them my affordability. I even put my partner on the phone who offered to give them card details to store to guarantee future payemnt and they refused! I am now at my wits end as how can I find a home for myself and my daughter and move in in 5 business days? Is there any hope left for me?