Ell, have PM'd you with some info on our circumstances... thanks

Sorry, Ell, Ive pretty much apart from the Q10 bit. Didnt kow what to put. I will PM you with the details of my situation and how much I can afford etc if thats OK?

NOthing yet, you suggested you could help me on that. I dont want to get it all wrong. Should I PM you the budget sheet?

Ell, sorry, for pestering, but I'm not sure what to do next. I'm worried that the court will be shut over Christmas and I wont have time before the 8th to ge this sorted out. please help

Ell, sorry its been a while, broadband stopped working and wife's been poorly. All in all a helluva bad month. I have filled in the n224, done a budget sheet and want to know how to send a copy to you, as I cant seem to save a copy... apart from the budget.. what should I do next. thanks...

Thanks for replying so quickly, have started this as requested. In answer to the queston, yes the arrears do include charges. The situation is as follows. 4 or 5 years ago I attended a court hearing to have a warrant issued, it was deferred as I could show we could pay the arrears. We have missed several payments due to employment and bad finance situations inc that tme, but alqays caught up. The mortgage was consolidated a year or so back to interest only, but earlier this year work dried up, I was owed money that has never materialised, and now my wife is back at wrk part time following maternity, and I have a new self employed job which I have a deal paying potentially 60K a year. More than enough to cover the arrears, payments and anything else, and should make life much easier. Unfortunately I am not due any money till end of Jan for work done this month, (so far I am due £1750, as I have only just begun work, but the contract is worth £4500 a month when I am up to speed.. I have promised Northern Rock repayments to help cover arrears, but ue to the money I was owed not coming, I have defaulted on all of them... I feel that just as the light of hope has come on work wise, this will put me, my wife and kids out on the street 2 days before my birthday... I have heard that this is the best place for someone in m position to come for advice... I will be forever in your debt if you can help... Andrew (Bronn's a nickname;) )

Sorry to jump the thread, but this has just happened to me, and I am in a blind panic as to what to do... 4 or 5 years ago we defaulted and went to court, the possession order was essentialy suspended, with us instruced to pay back arears and sort ourselves out. This year has been a nghtmare, partner on materninty for most of it, I ot ade redundant earlier and got way behind, letter was hand delivered today giving an eviction date of 8/01/10. his is because we got way beind, and I was owed bit of money that I kept getting promised, and never showed up, so I kept promising Northern Rock, and now I am nearly 6K behind. I have just last week got myself registered self employed as I have found work including a job that will pay 3 times what I have ever earned for the next three years, but cant see any money till the first payment at end of January, wifes earnings are pittance... What can I do??? Please help, I am feeling very very concerned, and not wanting to sound melodramatic, all sorts of silly things are going through my head...