I think that the best way forward is going to be asking them to wait until the 12th then take the 13 payments p.a - if that fails then i need to borrow the money - i do however want to stress that they still owe me money from fees that they added incorrectly to my mortgage (I have paperwork from them stating no fees are applicable for a previous mortgage product i took but they added them anyway) and also a years worth of insurance premiums they took but didnt acctually give me the insurance cover (B&C) also interest charges on these fees so my balance is all wrong and my payments set a little to high because of that, but do you think they reply quickly? no 2 years later and still waiting for them to pay those back - even though they admit the errors on the accountin writing. So Sat morning is my next day off and I will prob' end up on the phone to them trying to resolve this and I will post an update once I get any more info.

I think that the best way forward is going to be asking them to wait until the 12th then take the 13 payments p.a - if that fails then i need to borrow the money - i do however want to stress that they still owe me money from fees that they added incorrectly to my mortgage (I have paperwork from them stating no fees are applicable for a previous mortgage product i took but they added them anyway) and also a years worth of insurance premiums they took but didnt acctually give me the insurance cover (B&C) also interest charges on these fees so my balance is all wrong and my payments set a little to high because of that, but do you think they reply quickly? no 2 years later and still waiting for them to pay those back - even though they admit the errors on the accountin writing. So Sat morning is my next day off and I will prob' end up on the phone to them trying to resolve this and I will post an update once I get any more info.

Oh, before I forget - am I right in thinking that if the payment isnt made on the 1st of July then they just get the house - no questions asked - of course via a judge again but you know what I mean, no chance to ask for 2 weeks grace etc?

Oh, before I forget - am I right in thinking that if the payment isnt made on the 1st of July then they just get the house - no questions asked - of course via a judge again but you know what I mean, no chance to ask for 2 weeks grace etc?

Hello Ell-enn, just so you know I had discussed with in length with NR before it went to court and they sounded happy with the payments being made every month as long as it didn't go past a month without a payment (if that makes sence) I was just shocked that exact date of the 1st of July was used - im assuming it was eversheds idea during the hearing as nothing was mentioned in the paper work i got from them. I think I will phone and speak to NR as writing to them is a) normally a waste of paper and b) even if they do read and reply to my letter it will be past the 1st of july by the time they get back to me.

Hello Ell-enn, just so you know I had discussed with in length with NR before it went to court and they sounded happy with the payments being made every month as long as it didn't go past a month without a payment (if that makes sence) I was just shocked that exact date of the 1st of July was used - im assuming it was eversheds idea during the hearing as nothing was mentioned in the paper work i got from them. I think I will phone and speak to NR as writing to them is a) normally a waste of paper and b) even if they do read and reply to my letter it will be past the 1st of july by the time they get back to me.

Hello everybody - thought id give a little update and yet another request for help! I spoke to the court yesterday and the judge granted the suspended repo order as everything looks fine on paper regarding our finances - even though eversheds tried their best to get the house! However, although I havent recieved the papers yet through the post its a good job i called them as the order is stating that I have to make my monthly payment + £100 pcm towards the arrears (all good and fine) but the first payment has to be by the 1st of July!!! so next week! if I hadden't called the court the paperwork would have come to me after this day -(court admin telling me theres a 2 week backlog on the doc's being sent out) I did tell Northern Rock that I get paid every 4 weeks so my next pay day isnt until the 14th of July - this means that they would acctually get 13 payments a yr instead of 12 - the question I have is . . . because I cant make the first payment until the 14th of July does that mean that Im still going to loose my home just because of the way I get paid (partner in new job not paid until the week after me) or is it like any normal payment I would make (Northern Rock only collect DD payments 1st month so alot of people pay by standing order or manually because of this) - as long as its paid within the calander month? Also if I do have to make the payment by the 1st of July does anyone have any ideas where I can get seriously low cerdit score finance for £700 so I can make the payment - I could borrow off a family member until payday however the same problem will occur next month as I wont be paid until the 12th of Aug and they will want money on the 1st of Aug. Hope everyone is fine in this good weather today and I will look forward to hearing back from you guys - once again big thank you to Ell-enn for all your help throughout this terrible time.

Hello everybody - thought id give a little update and yet another request for help! I spoke to the court yesterday and the judge granted the suspended repo order as everything looks fine on paper regarding our finances - even though eversheds tried their best to get the house! However, although I havent recieved the papers yet through the post its a good job i called them as the order is stating that I have to make my monthly payment + £100 pcm towards the arrears (all good and fine) but the first payment has to be by the 1st of July!!! so next week! if I hadden't called the court the paperwork would have come to me after this day -(court admin telling me theres a 2 week backlog on the doc's being sent out) I did tell Northern Rock that I get paid every 4 weeks so my next pay day isnt until the 14th of July - this means that they would acctually get 13 payments a yr instead of 12 - the question I have is . . . because I cant make the first payment until the 14th of July does that mean that Im still going to loose my home just because of the way I get paid (partner in new job not paid until the week after me) or is it like any normal payment I would make (Northern Rock only collect DD payments 1st month so alot of people pay by standing order or manually because of this) - as long as its paid within the calander month? Also if I do have to make the payment by the 1st of July does anyone have any ideas where I can get seriously low cerdit score finance for £700 so I can make the payment - I could borrow off a family member until payday however the same problem will occur next month as I wont be paid until the 12th of Aug and they will want money on the 1st of Aug. Hope everyone is fine in this good weather today and I will look forward to hearing back from you guys - once again big thank you to Ell-enn for all your help throughout this terrible time.

Well by now it should all be decided, according to the courts I wont find out by post for over a week! note - me jumping everytime the door goes! thanks for all the help everyone - will make sure to keep you all informed. esp Ell-enn xxx

Well by now it should all be decided, according to the courts I wont find out by post for over a week! note - me jumping everytime the door goes! thanks for all the help everyone - will make sure to keep you all informed. esp Ell-enn xxx

oh and before i forget - if i cant find previous statements that show that some of the arrears are charges then should i delete the line regarding the full breakdown of the arrears and how there might be fees included? cheers

oh and before i forget - if i cant find previous statements that show that some of the arrears are charges then should i delete the line regarding the full breakdown of the arrears and how there might be fees included? cheers

thank you very much ell-enn, I must admit i was expecting to have to state alot more information and i do tend to waffle a bit too so again multiple thanks. I take it in the claimant box it will be Northern Rock PLC and the court is going to be the full address of the court in newcastle, can i ask, in your experiance, shoudl i be hopeful that this will ok be ok, sorry to be a pain im just very worried (as you can prob guess form previous notes left). once again thank you for all your help

thank you very much ell-enn, I must admit i was expecting to have to state alot more information and i do tend to waffle a bit too so again multiple thanks. I take it in the claimant box it will be Northern Rock PLC and the court is going to be the full address of the court in newcastle, can i ask, in your experiance, shoudl i be hopeful that this will ok be ok, sorry to be a pain im just very worried (as you can prob guess form previous notes left). once again thank you for all your help

hello Im not 100% certain I think it might include arrears charges/fees etc however i cant be certain. I have a blank N11M form now - is the budget sheet i got from you before required too as it has the same data on it as the N11M form, or am I better off just giving both over?