The final result was that a suspended possession was granted, on terms that I pay the agreed (400) in addition to the monthly payment.

The final result was that a suspended possession was granted, on terms that I pay the agreed (400) in addition to the monthly payment.

I phoned the court yesterday asking the listing manager to re-schedule. Not possible without a judges consent. So I phoned the claimant asking them verbally to withdraw or adjourn. No reply, but their solicitors put the question to them. So yesterday I faxed in my defence (thanks for the help). This morning the claimant phoned and verbally asked me for a repayment schedule and I verbally agreed to the monthly payment plus 400 monthly towards arrears, and a suspended possesion order. In my defense, faxed yesterday, I proposed 450 monthly. We will see what happens next.

I phoned the court yesterday asking the listing manager to re-schedule. Not possible without a judges consent. So I phoned the claimant asking them verbally to withdraw or adjourn. No reply, but their solicitors put the question to them. So yesterday I faxed in my defence (thanks for the help). This morning the claimant phoned and verbally asked me for a repayment schedule and I verbally agreed to the monthly payment plus 400 monthly towards arrears, and a suspended possesion order. In my defense, faxed yesterday, I proposed 450 monthly. We will see what happens next.

Looks great. Thanks so much. Will keep you updated.

Looks great. Thanks so much. Will keep you updated.

The mortgage is in joint names. My wife and 2 small kids 4 & 6 live there, plus one lodger, me when I am in the country. My wife is not able to go. A new central heating system eventually tipped us into 3 months arrears, then a mix up in payment instructions, partly their fault not supplying details I asked for, then I never followed it up ignoring things, that caused it to go over the edge. This is a second mortgage, the first mortgage was in arrears until some of the payments that should have gone on the second one brought the first up to date. Thanks for the budget sheet. It opened nicely in the last post.

The mortgage is in joint names. My wife and 2 small kids 4 & 6 live there, plus one lodger, me when I am in the country. My wife is not able to go. A new central heating system eventually tipped us into 3 months arrears, then a mix up in payment instructions, partly their fault not supplying details I asked for, then I never followed it up ignoring things, that caused it to go over the edge. This is a second mortgage, the first mortgage was in arrears until some of the payments that should have gone on the second one brought the first up to date. Thanks for the budget sheet. It opened nicely in the last post.

It would be a payment arrangement that I was after. I could pay off arrears in 3 months. Thanks again. Sorry I am replying so late.

It would be a payment arrangement that I was after. I could pay off arrears in 3 months. Thanks again. Sorry I am replying so late.

Thanks Ell-enn for the reply. So I should concentrate simply on showing my ability to pay, and not get distracted about details like the insurance not paying out. My wife has savings, and thankfully I have a stable income. I have form EX104PCOL sent by the court. Do I need to say, explicitly that I don't want the claimant to get a possession order? It would be useful to have a template wording to stop the posession bit. So I write my witness statement, and fax it over, signed by us both, with bank statements.

Thanks Ell-enn for the reply. So I should concentrate simply on showing my ability to pay, and not get distracted about details like the insurance not paying out. My wife has savings, and thankfully I have a stable income. I have form EX104PCOL sent by the court. Do I need to say, explicitly that I don't want the claimant to get a possession order? It would be useful to have a template wording to stop the posession bit. So I write my witness statement, and fax it over, signed by us both, with bank statements.

I have just discovered that I have a hearing on Wedsday. I am stuck in another country, with no passport (sent off for renewal). I am too late to submit a defense via PCOL (Possession Claim On Line) which requires minimum 5 days. I plan to put a defense together today and fax it over for inclusion at the hearing, if this is allowable? Some phrases in the banks Witness Statement are difficult to understand: "Court make an order that i The defandants do: (a) give the claimant possession of the property (b) pay the outstanding arrears ii Judgement be entered against the Defendants for the total amount outstanding under the mortgage." It seems they want possessions, all the arrears, and a full mortgage repayment. Ideally I would like to pay just the arrears. I am very fortunate in that relatives will help so I can pay the arrears in full, within a month. I am in a job. I am in the process of trying to cash in an endownment policy that I don't need, but this is taking many weeks longer than expected. The mortgage is a secured loan, that was sold in October 2005, with compulsory income protection insurance. I needed to find a new job a year ago, and was 3 months without work, but the overseas fixed length contract work meant I was not covered. The loan is variable rate, and I am being charged 11.5% inclusive at the moment. I was told by the salesman that the rate would rise and fall with bank rates, and that rates needed to remain competitive to attract new business. The unit has now closed to new business! How detailed should my letter to the court be? Is there an example of one coutering a reposession claim? The loan is regulated under the Credit acti 1974, and I wondered if it was worth asking the court to look at the interest rate, given that the protection I pay is useless? Any pointers appreciated.

I have just discovered that I have a hearing on Wedsday. I am stuck in another country, with no passport (sent off for renewal). I am too late to submit a defense via PCOL (Possession Claim On Line) which requires minimum 5 days. I plan to put a defense together today and fax it over for inclusion at the hearing, if this is allowable? Some phrases in the banks Witness Statement are difficult to understand: "Court make an order that i The defandants do: (a) give the claimant possession of the property (b) pay the outstanding arrears ii Judgement be entered against the Defendants for the total amount outstanding under the mortgage." It seems they want possessions, all the arrears, and a full mortgage repayment. Ideally I would like to pay just the arrears. I am very fortunate in that relatives will help so I can pay the arrears in full, within a month. I am in a job. I am in the process of trying to cash in an endownment policy that I don't need, but this is taking many weeks longer than expected. The mortgage is a secured loan, that was sold in October 2005, with compulsory income protection insurance. I needed to find a new job a year ago, and was 3 months without work, but the overseas fixed length contract work meant I was not covered. The loan is variable rate, and I am being charged 11.5% inclusive at the moment. I was told by the salesman that the rate would rise and fall with bank rates, and that rates needed to remain competitive to attract new business. The unit has now closed to new business! How detailed should my letter to the court be? Is there an example of one coutering a reposession claim? The loan is regulated under the Credit acti 1974, and I wondered if it was worth asking the court to look at the interest rate, given that the protection I pay is useless? Any pointers appreciated.