in addition to what I have I would need to find another £800. Arrears currently stand at £2667. Two monthly subscriptions = £1240. I'm paying another £ 600 next week, so another £800 will reduce it to their threshold for cancellation.

in addition to what I have I would need to find another £800. Arrears currently stand at £2667. Two monthly subscriptions = £1240. I'm paying another £ 600 next week, so another £800 will reduce it to their threshold for cancellation.

Hi Ell-enn Sorry to ask but have you had a chance to look at the statement? I'd like to submit the N244 tomorrow if possible, Monday is probably fine? I spoke to MAS today, they're increasingly helpful. I paid a further £100 on the account and they told me they would cancel the eviction (now confirmed for 25th November) if the arrears can be reduced to below two month's normal subscription (approx £1250). Surely this plays into our hands with the judge too? We would arrive at that point with the first payment of a new plan! Mel

Hi Ell-enn Sorry to ask but have you had a chance to look at the statement? I'd like to submit the N244 tomorrow if possible, Monday is probably fine? I spoke to MAS today, they're increasingly helpful. I paid a further £100 on the account and they told me they would cancel the eviction (now confirmed for 25th November) if the arrears can be reduced to below two month's normal subscription (approx £1250). Surely this plays into our hands with the judge too? We would arrive at that point with the first payment of a new plan! Mel

Re: £600. Yes. With some effort. It is doable.

Re: £600. Yes. With some effort. It is doable.

Oh TWO POSTS with slight variation! I think you'll get the gist. Mel

Oh TWO POSTS with slight variation! I think you'll get the gist. Mel

Hi Ellenn, Yes, I've spoken to MAS tonight and they're sending out a 12 month statement tomorrow. They were very helpful tonight and told me that they cannot stop the action as there have been 7 failed plans on the account., All of these, of course, were prior to Mike's involvement and although we are in technical breach of the latest arrangement as he was two days late with the first payment, it is not fair to lump that in with the previous failed arrangements where money was far tighter. She also told me she would put a note on the account that it is to be reconsidered after each payment prior to the eviction daye (25th November) in light of the effort that we are making to clear the arrears. Ho hum!

Hi Ellenn, Yes, I've spoken to MAS tonight and they're sending out a 12 month statement tomorrow. They were very helpful tonight and told me that they cannot stop the action as there have been 7 failed plans on the account., All of these, of course, were prior to Mike's involvement and although we are in technical breach of the latest arrangement as he was two days late with the first payment, it is not fair to lump that in with the previous failed arrangements where money was far tighter. She also told me she would put a note on the account that it is to be reconsidered after each payment prior to the eviction daye (25th November) in light of the effort that we are making to clear the arrears. Ho hum!

Ok! Yes, I've spoken to the MAS this evening and they're sending a statement of the past 12 months payments out tomorrow. The lady was actually very helpful and said that she would make a note on the account that it is to be reviewed after each payment ( I plan to pay another £ 600 in the next 7 days). Of course they will not stop the eviction yet. She told me that the reason they are taking action now is because there have been 7 failed plans in the past since the original court hearing in 2007. I can't disagree with that but the central point is that my brother's involvement has made a significant difference and that it was only a technical breach of the last payment plan caused by a salary date mix up. Guess we'll find out soon! Mel

Ok! Yes, I've spoken to the MAS this evening and they're sending a statement of the past 12 months payments out tomorrow. The lady was actually very helpful and said that she would make a note on the account that it is to be reviewed after each payment ( I plan to pay another £ 600 in the next 7 days). Of course they will not stop the eviction yet. She told me that the reason they are taking action now is because there have been 7 failed plans in the past since the original court hearing in 2007. I can't disagree with that but the central point is that my brother's involvement has made a significant difference and that it was only a technical breach of the last payment plan caused by a salary date mix up. Guess we'll find out soon! Mel

Hi Ell Mike has sent the spreadsheet. I am confident that we can afford to pay the amount we originally agreed with MAS (£1300 per month with £ 618.77 being the monthly payment and the balance £ 681.23 to reduce the arrears) By my reckoning that would clear the arrears in four months (first payment on Dec 1st, last on March 1st 2011). If the judge wants to reduce this amount and/or increase the timescale that's fine but frankly, I'll be happy to have them off my back as soon as possible! I have prepared another payment plan which clears all the arrears by 23rd December, it is possible but obviously much more stringent on the household budget. Should I include this payment plan in the appendix too? Mel

Hi Ell Mike has sent the spreadsheet. I am confident that we can afford to pay the amount we originally agreed with MAS (£1300 per month with £ 618.77 being the monthly payment and the balance £ 681.23 to reduce the arrears) By my reckoning that would clear the arrears in four months (first payment on Dec 1st, last on March 1st 2011). If the judge wants to reduce this amount and/or increase the timescale that's fine but frankly, I'll be happy to have them off my back as soon as possible! I have prepared another payment plan which clears all the arrears by 23rd December, it is possible but obviously much more stringent on the household budget. Should I include this payment plan in the appendix too? Mel

Ell-enn, sorry to sound like a broken record, will it not influence the judge that this is the second time in three months that they have issued a warrant? Even though last time they accepted a lower than total figure (which was paid) to call off the eviction? I really appreciate your help and time on this. Irrespective of outcome, I will be making a donation to the site as soon as matters are resolved. mel

Ell-enn, sorry to sound like a broken record, will it not influence the judge that this is the second time in three months that they have issued a warrant? Even though last time they accepted a lower than total figure (which was paid) to call off the eviction? I really appreciate your help and time on this. Irrespective of outcome, I will be making a donation to the site as soon as matters are resolved. mel

I'll take the DLA payment out. I'm making payments every day I have some spare money. Since last Monday I've paid £ 1875 to MAS. The arrears at the time they informed me that they were continuing with the repossession were £ 4662.47. They now stand at £ 2767.47. Surely this will carry some weight with the judge? Mel

I'll take the DLA payment out. I'm making payments every day I have some spare money. Since last Monday I've paid £ 1875 to MAS. The arrears at the time they informed me that they were continuing with the repossession were £ 4662.47. They now stand at £ 2767.47. Surely this will carry some weight with the judge? Mel

Hi Ell-enn, Contacted the court today and the bailif will be calling tomorrow with an eviction date for 25th November. Gulp. Mel

Hi Ell-enn, Contacted the court today and the bailif will be calling tomorrow with an eviction date for 25th November. Gulp. Mel

Ell-enn Brilliant, thank you Mel

Ell-enn Brilliant, thank you Mel

Hi Ellenn, yes. My brother replied, did you get it? We are in the process of finding out the breakdown of arrears/capital included in the total monthly figure. And thanks for the letter template. Mel

Hi Ellenn, yes. My brother replied, did you get it? We are in the process of finding out the breakdown of arrears/capital included in the total monthly figure. And thanks for the letter template. Mel

Hi Ell-enn (All) Is there a prepared letter format anywhere for requesting details of all charges/penalties etc levied by a Mortgage company? I would like to see exactlywhat I've been charged. If there is a question mark over the legitimacy or amount of any penalty/charge they have unilaterally levied, wouldn't that bolster my case at the court hearing? Even so, I just would like to know. Thanks so much Mel