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KandJMum

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Everything posted by KandJMum

  1. Thank you very much for the kind words. I find it truly amazing that people take time out of their busy lives to offer the level of support to people they don't know. Talk about restore my faith in human nature xxxxxxx
  2. Thank you very much for the kind words. I find it truly amazing that people take time out of their busy lives to offer the level of support to people they don't know. Talk about restore my faith in human nature xxxxxxx
  3. HAPPY HAPPY DAYS!!!!!! Thank you so very very very much Ell-een. I owe you so so much. It was all done and dusted so quickly, I could've got away with just putting an hour on the car. Black Horse didn't send a representative, the judge said I didn't have to pay a lump sum and that I could pay a nominal amount towards the arrears, every month. She then said thank you and the CAB brief got up to leave,so I said is that it. The Judge said, it is indeed, enjoy your day. I nearly burst into tears on the spot but I held it together long enough to make sure the baliffs were be
  4. HAPPY HAPPY DAYS!!!!!! Thank you so very very very much Ell-een. I owe you so so much. It was all done and dusted so quickly, I could've got away with just putting an hour on the car. Black Horse didn't send a representative, the judge said I didn't have to pay a lump sum and that I could pay a nominal amount towards the arrears, every month. She then said thank you and the CAB brief got up to leave,so I said is that it. The Judge said, it is indeed, enjoy your day. I nearly burst into tears on the spot but I held it together long enough to make sure the baliffs were be
  5. I'll try Thanks so very much Ell. I suppose it's now in the hands of the Gods and whether we get a sympathetic judge or not xxxxxx
  6. I'll try Thanks so very much Ell. I suppose it's now in the hands of the Gods and whether we get a sympathetic judge or not xxxxxx
  7. Thanks you very much for all your help. I'll post tomorrow and let you know how I get on. Maybe before, if I get the wobbles Lots of fingers and toes crossed xxxx
  8. Thanks you very much for all your help. I'll post tomorrow and let you know how I get on. Maybe before, if I get the wobbles Lots of fingers and toes crossed xxxx
  9. I haven't got one, I've asked 3 times and they keep saying they will send one out but it's never arrived. I had the balance given to me over the phone today xx
  10. I haven't got one, I've asked 3 times and they keep saying they will send one out but it's never arrived. I had the balance given to me over the phone today xx
  11. I assume 217.70, as the arrears since Jam amount to £3k
  12. Hi Shall I put that I calculate the arrears to be £3000, Black Horse claim they are £3217.70. Would it be worth putting on the statement that I am looking into the Mortgage scheme as I believe we fit the criteria? I'm sorry to ask so many questions, I want to get it all staright i my head Thanks C xx
  13. Hi Shall I put that I calculate the arrears to be £3000, Black Horse claim they are £3217.70. Would it be worth putting on the statement that I am looking into the Mortgage scheme as I believe we fit the criteria? I'm sorry to ask so many questions, I want to get it all staright i my head Thanks C xx
  14. Hi Ellen, I've got them. The arrears stand at £3217.70. For 6 months at £500. Methinks there is a miscalculation on their part. I've asked them for a statement of account (only the 3rd time) , they will try and get one out in the post but it could take 7 working days. WHat do you think about this mortgage repair scheme xxx
  15. Hi Ellen, I've got them. The arrears stand at £3217.70. For 6 months at £500. Methinks there is a miscalculation on their part. I've asked them for a statement of account (only the 3rd time) , they will try and get one out in the post but it could take 7 working days. WHat do you think about this mortgage repair scheme xxx
  16. Hi Sorry Ell-enn Do i need to have the exact figures of arrears on the statement form THanks xxx
  17. Hi Sorry Ell-enn Do i need to have the exact figures of arrears on the statement form THanks xxx
  18. Thanks you for kind words of support. You are all so very kind. When I submitted the N244, I went straight down to the CAB office there, to find out if anybody would be there tomorrow morning. The CAB were a bit vague, saying their lists hadn't come down yet. They put me in the diary. The hearing is at 10.00 but they told me to get there about half 9 and to go to the CAB and they'll see if there's anybody available to go in with me. I really wanted to discuss the possibilty of applying for the Mortgage Rescue Scheme with them too. As I've heard that mentioning it to the judge ma
  19. Thanks you for kind words of support. You are all so very kind. When I submitted the N244, I went straight down to the CAB office there, to find out if anybody would be there tomorrow morning. The CAB were a bit vague, saying their lists hadn't come down yet. They put me in the diary. The hearing is at 10.00 but they told me to get there about half 9 and to go to the CAB and they'll see if there's anybody available to go in with me. I really wanted to discuss the possibilty of applying for the Mortgage Rescue Scheme with them too. As I've heard that mentioning it to the judge ma
  20. Hi Ell-een I don't know what to say, except that I'm sitting here at my desk crying like a baby. I can't believe there are poeple out there giving up their time to sort out stupid people like me. You are so so kind Thank you so so much for all your help. I'll fill in the budget sheet later on this morning, if I get stuck I'll shout. I'll let you know how we get on tomorrow morning. Should I be preparing myself for the worst though? xx
  21. Hi Ell-een I don't know what to say, except that I'm sitting here at my desk crying like a baby. I can't believe there are poeple out there giving up their time to sort out stupid people like me. You are so so kind Thank you so so much for all your help. I'll fill in the budget sheet later on this morning, if I get stuck I'll shout. I'll let you know how we get on tomorrow morning. Should I be preparing myself for the worst though? xx
  22. Thank you very much for your help. You're an absolute star
  23. I print at work. Other commitments won't be affected, I can put off nursery costs for a month, the nursery manager is a good friend. Hubby gets paid 4 wkly and July is his 2 payment month too I'll keep the thread open all day tomorrow xx
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