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?

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?

hello again - i meant to ask about the N11M form? I dont have one, need one i guess and my internet access is going to run out at 12 tonight on my mobile. please help

hello again - i meant to ask about the N11M form? I dont have one, need one i guess and my internet access is going to run out at 12 tonight on my mobile. please help

Hello Ell-enn, sorry for the delay - things are a little hetic here right now. The reason for the arrears really stem from the interest rates going up last yr coupled with my partner having their contract work stopped. They did find p/t employement in the new yr and i spoke to northern rock and arranged to make full payment plus a small amount towards the arrears (£50pcm) unfortunatly the company my partner worked for turned out to be a fly-by-night marketing company who just vanished and they never got paid so it has taken until now for them to find full time 'proper' employment with the NHS (much better income from now on) so we can afford the paymetn of £599.30 a month - this included B&C's insurance with northern rock and I was thinking of offering £100pcm towards the arrears - currently £9,596.50. This sounds a little small but I would hate to overstrech things incase of the unexpected. Our outgoings leave approx £900 a month for everythign apart from essentials however this is now based on us having reduced every outgoing there was, no telephone, sky TV, no car anymore no mobiles no broadband (im currently using my pay as you go mobile to connect today at the cost of £1 for the whole day - so we have tried to make sure we can make the payments and not miss any arrangements. I guess we have buried our heads in the sand until now as we didnt have a solution to offer northern rock or the courts but now i feel very certain that we can make payments and clear arrears without missing any in the future - i must add that i feel seriously sick at the thought of all this and the last comment on here has made things much worse as i was hoping that even if i didnt attend the paper work (statement and means testing forms) would be all that would be required especially if the likely outcome would be a suspended order makign us accountable straight away if we did miss an further payments. Hope you can help Ell-enn I have completed the means testing form you provided (thank you very much) and will forward this via email to the court and I will deliver a copy tomorrow in person before the court appointment on Thursday - can anyone let me know what if any objections the mortgage companys sol's might have to accepting a susspended order - im just seriously nerve wrecked about the whole thing - made worse because i cannot attend the hearing and worry that they may not even read my statement - im getting so many conflicting bits of advice not only in forums but also from Northern Rock who were quiet convincing about them only wanting the order in place so i will make payments ratherthan trying to take the house which accordingto them is 'the last thing we want to do'. thanks

Hello Ell-enn, sorry for the delay - things are a little hetic here right now. The reason for the arrears really stem from the interest rates going up last yr coupled with my partner having their contract work stopped. They did find p/t employement in the new yr and i spoke to northern rock and arranged to make full payment plus a small amount towards the arrears (£50pcm) unfortunatly the company my partner worked for turned out to be a fly-by-night marketing company who just vanished and they never got paid so it has taken until now for them to find full time 'proper' employment with the NHS (much better income from now on) so we can afford the paymetn of £599.30 a month - this included B&C's insurance with northern rock and I was thinking of offering £100pcm towards the arrears - currently £9,596.50. This sounds a little small but I would hate to overstrech things incase of the unexpected. Our outgoings leave approx £900 a month for everythign apart from essentials however this is now based on us having reduced every outgoing there was, no telephone, sky TV, no car anymore no mobiles no broadband (im currently using my pay as you go mobile to connect today at the cost of £1 for the whole day - so we have tried to make sure we can make the payments and not miss any arrangements. I guess we have buried our heads in the sand until now as we didnt have a solution to offer northern rock or the courts but now i feel very certain that we can make payments and clear arrears without missing any in the future - i must add that i feel seriously sick at the thought of all this and the last comment on here has made things much worse as i was hoping that even if i didnt attend the paper work (statement and means testing forms) would be all that would be required especially if the likely outcome would be a suspended order makign us accountable straight away if we did miss an further payments. Hope you can help Ell-enn I have completed the means testing form you provided (thank you very much) and will forward this via email to the court and I will deliver a copy tomorrow in person before the court appointment on Thursday - can anyone let me know what if any objections the mortgage companys sol's might have to accepting a susspended order - im just seriously nerve wrecked about the whole thing - made worse because i cannot attend the hearing and worry that they may not even read my statement - im getting so many conflicting bits of advice not only in forums but also from Northern Rock who were quiet convincing about them only wanting the order in place so i will make payments ratherthan trying to take the house which accordingto them is 'the last thing we want to do'. thanks

it was sent by the court - i think, and maybe a copy off the sol's and northern rock to - it didnt have any detaisl just that I think it was adjurned. If email them and my partner takes the paper work in - even if they dont let him attend will the judge use the paperwork that has been haded over on the day - statement, means testing forms etc?

it was sent by the court - i think, and maybe a copy off the sol's and northern rock to - it didnt have any detaisl just that I think it was adjurned. If email them and my partner takes the paper work in - even if they dont let him attend will the judge use the paperwork that has been haded over on the day - statement, means testing forms etc?

hi ell-enn - thanks for the reply - all i had was paperwork to say it was cancelled. Do they ignore the paper work if its not sent i by a deadline, the courts have given me an email address to send to tomorrow but im just worried they wont look at any of it with me not being there.

hi ell-enn - thanks for the reply - all i had was paperwork to say it was cancelled. Do they ignore the paper work if its not sent i by a deadline, the courts have given me an email address to send to tomorrow but im just worried they wont look at any of it with me not being there.

Ell-enn the courts said they sent forms out 2 yrs ago but we paid any arrears off then so it didnt get to the court. The forms were only posted out from eversheds on the 12th of June and didnt arrive until today - no means testing etc included?! If we can show that our income covers the mortgage and the arrears shoud there be any problems or do the mortgage providers sol's normally try to get the house? northern rock is telling me that taking the house is the last thing they want to do etc and that i should be ok if i dont attend but provide details etc Stressing big time here