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headacheallday

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About headacheallday

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  1. Hi all Have just got back from a successful court hearing and they have suspended my eviction. Lot of drama leading up to the hearing (including the court unable to take my application payment because their machine was down) but managed to get an emergency hearing for Today (eviction was set for tomorrow at 1pm). SPML agreed to my offer before going before the judge so everything was pretty painless. Just wanted to say a huge thankyou to Ell-enn for all her help and advice, you are a godsend. Good luck to everyone else going through the same thing and remembed there is always hope x
  2. WOW thankyou. I appreciate you have a day job so didn't expect such a quick response. Can I send over to you what I've done for you to look through later, just to check that I haven't made any stupid mistakes.x Thankyou
  3. Hi Ellen I've completed my n244 and my budget but I could do with some help for my witness statement as I really need to get this in asap as times running out. Hope you can help Thanks
  4. Hi Ellen I have missed 6 payments in total. Yes I cleared all the arrears to the penny as at sept 2013, but along with my work restructuring and my back getting worse (I have a disc condition which means I have to take very strong painkillers and I'm not allowed to drive. My husband drives me to all my meetings etc which enables me to carry on working but does prevent him from getting another job ) I got into arrears again.
  5. Thankyou so much for your encouraging words above. It really means a lot to know that I'm not alone. 12 months ago I was completely up to date with the mortgage, and I had started tackling all debt that I had with everyone, but Council Tax baliffs came to the door and then Southern Electric wanted to cut me off. These 2 are now sorted (I am up to date with council tax and I have had pre-payment meters put in for my gas and electric). But because of my drop in wages, by the time I paid for these and kept my business going,I fell into arrears again (I owe £7100). Yes, I know robbing peter t
  6. Hi Oleg....what does your above message mean ?
  7. Hi Back in 2012 Ascendon applied for and got an eviction date from a suspended repossesion order from 2008. I posted on here and thanks to Ellen's fantastic help and advice I attended court and the judge suspended the order again provided I paid the monthly mortgage and £300 per month. At the time this seemed realistic and affordable but Ascendon kept on making things very difficult for me. They wouldn't change the payment date despite me not getting paid until the 10th of every month and they insisted I phone up every time.However by sept 2013 I was completely up to date with the
  8. Sorry just 1 more thing. On the way out of the court, the solicitor said "off course interest and charges will still go on this" so you'll need to find some capital to pay this off quickly. The judge took the amout owed today and divided by the amount I can pay and set the term at 16 months. However, Kensington are adding £150 in charges and interest, so I would get this clear withing the 16 months-what can I do ? Can I get Kensington interest and charges stopped or reduced ? Please can someone advise.
  9. Hi Just thought I'd update. I phoned the court yesturday and asked for an Emergency hearing for today. I told them the truth, as always, and said that I would be out of the country after Thursday. The court staff and process were brilliant and the judge ordered Kensington to accept what I was offering. So pressure is now off. However , whilst I was waiting to go in the Kensingston "Legal representative" spoke to me before the hearing as he said "he didn't have a clue" and if I could give him the facts that would speed the process up. All the way there I kept telling myself not to fall f
  10. Hi Once again I find myself in a horrible situation. I last came on here to stop my Capstone repossessing my house and Ell-en was totally amazing with her advice. I spent one of the longest and worst days of my life in court but the judge suspended it and gave me longer to pay. That was 12 months ago and I've cleared £13k of arrears with £800 to go. However, and here's my new problem-despite tackling all my debts and clearing a fair few, Kensington (secured loan of £5000) have now got a repossession order and will evict us on monday 17th @12.45. Despite paying the loan for 2 years, with
  11. Hi Well I just got back. Only 3 cases listed, but mine was last and the others took nearly 1/2 an hour each. SPML's solicitor did approach me and wanted to talk, but I have to say that anyone listening would think he was working for me. He told me that SPML had already rejected what I had offered and would not except anything other than my soul, so I should stick with what I had put down. He even said the Judge always favoured people like me, so not to worry. He talked me through the process, gave me advice and told me not to worry !!!! Really strange !. Anyway, Ellen, you were right. The
  12. Hi Well I just got back. Only 3 cases listed, but mine was last and the others took nearly 1/2 an hour each. SPML's solicitor did approach me and wanted to talk, but I have to say that anyone listening would think he was working for me. He told me that SPML had already rejected what I had offered and would not except anything other than my soul, so I should stick with what I had put down. He even said the Judge always favoured people like me, so not to worry. He talked me through the process, gave me advice and told me not to worry !!!! Really strange !. Anyway, Ellen, you were right. The
  13. Hi Any advice you can give me with regards to what will happen tomorow-would be very appreciated
  14. Hi Any advice you can give me with regards to what will happen tomorow-would be very appreciated
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