Hi again..... I rang Kensington this morning and gave a financial statement over the phone. I made an offer of the mortgage payment plus £100 extra per month. He has just got back to me and said the offer will be accepted..... but..... they want me to send them 6 months bank statements, my husbands books for last 3 months (hes self employed) and said it will stay in place but will be reviewed in 3 months time. So, on one hand its YAY! we can stay, but on the other hand, why do they need our bank statements etc? What happens in 3 months time? I dont want to give up this rented house if they are going to come back in 3 months and say we want £200 per month or something daft. Dont know what to do now, I have a major headache and Im sick of it all. The £100 extra we can do, not easily, but we can do it, we could not go any higher. I dont want to put us all in a situation where we could be back in this position again in 3 months time. Any ideas?

Hi Ell-enn - thanks for the reply. I think the £6000 includes the £50 a month we get charged for late payment. Re the tenancy on the rented property, we only signed for it on Thursday and have only moved some boxes in so far, I think at worst they would expect a months notice, or would just keep our deposit we gave them. I will print off the budget sheet and work out some sums, thank you for that. My plan (in theory) is to ring them in the morning and make an offer. It wont be what they want but we wont offer a ridiculous amount that we cant keep to just end up in this situation again. If they come back and say they want loads more then we will move and say goodbye to this house. I don't want to, but cant risk fighting it in court. If we were to lose in court we would literally be on the streets. There is no equity in this house, they will not make anything from it, in fact we will most likely end up with a huge bill at the end. Don't really know what else to do. Just make the offer and pray they answer me quickly as we don't have days and days to sit and wait for them to decide. We should already be in the other house and I'm half packed and half moved. Not good for us or the kids. Living in limbo is not a nice place to be right now.

Hi everyone, I had some very good advice here a few years ago and I'm now in need again. Long story so please bear with me! 2 years ago we got into high arrears on our mortgage. they applied for and got an eviction date. We moved out but came to an arrangement to capitalize the arrears, so we moved back. Last year my husband had a simple operation but had complications after, he was off work for nearly 6 months. We are now in high arrears again, around £6000 now. They have threatened to enforce the order they had 2 years ago and evict us. They did offer to send out a man to complete an income/expenditure for with us, but we had this same man 2 years ago and he basically ballsed it all up and made it look like we had more money then we did. The mortgage company would look at this and expect a repayment that would be way out of our reach. So we were not prepared to meet him. He also had a foul attitude. I should add here that we have 6 children and a bad credit rating. We accepted the fact that we had lost the house and we somehow have found someone who agreed to rent to us. Now this is where it gets ridiculous. We have signed the rent agreement, we have started to move boxes into the new house. We have rung Kensington (our mortgage lenders) and told them that we are giving them voluntary repossession of the house (to save them taking us to court again). On Friday we had a letter from them saying we should think twice about giving up the house etc etc. So now I am.... thinking twice. I dont want to give up my home, I never did. The way things are these days, people cant get a mortgage, we would never get another one. We have one, why are we giving it up???? I tried to ring them yesterday but they are closed until tomorrow. So this is the ridiculous situation we are now in. I'm sat in my house with it half packed up, we should have moved into the new house this weekend, but I'm still here thinking no. Would we have any chance at all of saving our house? We cant afford to sit here for a few weeks messing around with Kensington, we have this other house that we are now paying for, we should be in there now. Every day it is costing us money. I cant hand the rented house back as we could lose our home and end up with nothing at all. Should I just accept that we have to leave and just get on with it, or can I force Kensingtons hand on anything? Our normal repayments should be around £530 a month, I spoke to someone yesterday who said if it went to court, they would expect us to clear the arrears in 2 years, that would make our payments nearly £800 a month. There is no way we could do that. We do know that the account with Kensington is now with litigation. I don't know what to do. We have to make a decision and stick to it by tomorrow. If we give up the rented house and fight for this, if we lose then we will have nothing, it was a miracle that we got this company to rent to us in the first place. But if we leave and it turns out we could have saved our home, I would be gutted. This is all our own fault and we should have acted sooner, but we buried our heads in the sand and this is where its got us. Any advise would be appreciated.

Thanks for that, should I complain to the court? The debt is for rent on a private rented house, it wasn't a council house. Not really sure where to go with this. When I spoke to the bailiff to offer him an amount each week, he told me to email the offer to the office but they wouldn't take it. Should I just ignore them until they send it back and then deal with the company directly?

Hi everyone, I was hoping someone may be able to advise on a levy please. To cut a long story short, we owe rent from a previous property that we lived in, it was a private landlord. The landlord went to court to get a warrant of execution and has put it in the hands of a bailiff company. Basically this bailiff has put a levy through my door with my neighbours van written on it (his van is parked on the street) and ont the levy next to the van has written the words "any/all other assets" Are they allowed to write that? I thought they had to list individual items? This bailiff has never been into my property and never will be. I am neurotic about keeping the doors/windows shut and locked. I have rung him to inform him that I do not own the van and have urged him to check this with the DVLA, I have emailed the company with my offer of repayment and am awaiting a reply. So two questions really, can they write what they did on the levy? And are they allowed to levy the same debt twice? Any advice on this would be very much appreciated.

Thank you, we will be happy there for a long time, we always were happy It wasnt the Special Services Team that we dealt with, it was the Litigation people. So although they had not started action against us yet, I think they must have been about to soon. Think we contacted them just in the nick of time Thanks again, just shows that even with heavy arrears there is still hope and its still worth a try, my arrears at the moment are £5993, so we have a long way to go, but we WILL get there

Well, our offer was accepted and it will be put in writing in the post to us!! They did actually say that they have so many people in arrears that they are not refusing any sensible offers of repayment from anyone. So, very VERY happy here and looking forward to going home again!!!! Cant thank you all enough for the advice given to me here!!!! Off to start collecting boxes to move........again!

Thank you so much for the advice, its very much appreciated. I will be getting it in writing as I just dont trust them one bit. My husband will be ringing them in a few minutes to make the offer, I personally dont think they will accept it as in the past they have wanted silly money off the arrears. The debt guy they send out to you went through our expenditure (last year) and worked out we could afford to pay the mortgage and the mortgage again each month, yeah okay, if we could afford over a grand a month mortgage we would be in a better house in a much nicer area!! I refused to see him the last time they tried to send him out to me. And to pay for the pleasure of his visit too, fantastic. But we will see, I will update when we have an answer, good or bad.......

Hi We rang them yesterday and they said as yet they have not started any action against us?? (Why Ive no idea) They said if we pay 3 months mortgage payments on time with an amount off the arrears, then after the three months they will let us capitalise the arrears and recalculate the mortgage payments. We have to tell them by Thursday (tomorrow) what we are offering off the arrears and tell them over the phone our income/expenditure. Whats do you make of that? What are the chances of us moving back in, giving up this rented house and them actually sticking to what they said. I know how underhand Kensington are and dont trust them one bit, but I do want my house back. We have till tomorrow but will be ringing them today as we just want to know what is happening, its driving us nuts! Would you take the risk?

Thanks for the advice there, the property is empty at the moment as we moved out into rented. But we go back every other day to check on it, we only moved two streets away. We got this rented house by pure luck and Im just worried that if we move back in and it goes belly up, then we probably wont get the chance of rented again with our credit history and lack of deposit etc. Its so hard because when we go back to check the house just makes me want to move back even more, its nothing special or in a posh area or anything, but it was ours. Kensington are such arses to talk to and I just dont understand why they have not contacted us, even by phone? They have all the numbers etc. Just dosent make any sense to me. I dont want to hand the keys back if there is a chance to save it, would just feel like throwing it away, I think we both assumed they would have repossesed it by now. They certainly didnt hang around the first time they took us to court!

Bit of a strange one here, well I think it is! Long one too sorry. We fell behind on our mortgage a couple of years ago due to my husband being out of work due to illness, hes self employed. We went to court and agreed to pay back a set amount on the arrears, this was fine for a while but we struggled and fell behind again. Basically we were chasing our tails trying to cover the mortgage and the extra and simply couldnt do it. Mortgage company didnt want to know and wouldnt reduce the amount, they went to court to take the house back and we were given a date to leave. We (somehow) came up with enough to halt the eviction and let us try again, but as they would not reduce the payments we still coudnt do it. I should add here that the council said a flat no to rehousing us until we were actually out on the street and as we have six children we couldnt risk having nowhere to go, hence us trying for so long to stay in the house. We also couldnt rent as due to the arrears we had bad credit history and were putting every penny onto the mortgage leaving nothing for rent and deposit. Anyways, we carried on for a while, then we were given the chance to rent a house moving in with just one months rent, so we stopped paying the mortgage to pay for rent and we moved out. This was in February 09. We rang the mortgage to say we had left and they said we would hear from them. Well, we are now in June and apart from normal monthly statements, we have heard nothing and the arrears are mounting up. £5000 ish now. My question is, why have they not taken the house back by now? I dont understand, if they were going to be this slow we would have held on and try and sort it, as it stands now, we are in a better position financially and could afford the mortgage, but with the arrears they are now they would want a crazy amount off the arears. I dont see why they dont just take it back, or let me add some of the arrears to the mortgage and we would move back in as I love that house dearly. I just dont get it, I know we could hand the keys back, but and I know it sounds stupid, if there was the smallest chance we could ever move back in there we would. Any advice or suggestions would be very much appreciated please. Oh, the company is Kensington who are impossible to talk to as I just find them all a load of arrogant, patronising ...........you fill in the blanks......