Thank you for your prompt reply. I will get the ball rolling with the N244. I am really hopeful we can sort it out prior to court, but NRAM really are useless... i have rang numerous times daily, as they have permission to speak to me in regard to the account. i am constantly re-telling the story, and i have been going round in circles! Not holding much hope out for them sorting it out. My Mum is an absolute fighter, and will get through this. I just hope I can help her to fight this battle!!!Do you think that i could use the template which ellen kindly did for me in 2011, and just make a few changes.?

As you will be able to see from the thread below, we managed to stop an eviction on my parents property in 2011.... well, today, we got another evictioon notice....After the hearing and order for reposession, everything was fine. payments made, no problems... until December 2013!!!In the intervening period since 2011, my Mum has been diagnosed with breast cancer. She has had two successful operations and a course of chemo and radium therapy. She managed to stay in work for some of the time, but, of course, when too unwell, went off sick. We could not sell the house at this time. My mother was too unwell, and we didn't want her to have that stress, so we battled through, and have kept up the repayments as NRAM were not a bit interested in my parents situation. This was until December 2013. We missed a payment off the mortgage... a total of £50 which we paid immediately. We didnt realise it was short as we had been paying bit by bit in December due to a shortage of money!! They have gone straight for possession. Today, we have recieved an eviction notice for Febraury 20th. Again, i am really concerned. My Mum has now returned to work, working 30hrs a week so they are in a much better financial situation. My fathers situation remains the same, he is very physically and mentally unwell. they have the house on the market, priced realistically to sell ( 15K under the value). This has only just gone on the market. My question is - as they have a suspended eviction order, can they just take the house? We are in contact with NRAM, who are considering a new proposal... but i am worried they will say no, and my parents will be homeless!!! can i complete a N244? What do i do?Please help, any advice would be great.... Thanks x

Hi everything went well today NR did not oppose the suspended order and the judge ordered my parents to pay less than they offered. Thanks for you help everyone!!!

Hi everything went well today NR did not oppose the suspended order and the judge ordered my parents to pay less than they offered. Thanks for you help everyone!!!

Hi Ell-enn Thanks very much for all our help. Got everything ready... will you you informed of the outome. thanks Nikki

Hi Ell-enn Thanks very much for all our help. Got everything ready... will you you informed of the outome. thanks Nikki

Hi Ell-enn Yes we will take the statement with us. Thank you all for the advice. I know that we still have to be on our guard and its not sorted properly until we have been to court. I will let you know the outcome. I will print the statement off and take it with us when we go on Monday. I will let you know the outcome. Thanks for all your help and advice up to this point!!! Nikki

Hi Ell-enn Yes we will take the statement with us. Thank you all for the advice. I know that we still have to be on our guard and its not sorted properly until we have been to court. I will let you know the outcome. I will print the statement off and take it with us when we go on Monday. I will let you know the outcome. Thanks for all your help and advice up to this point!!! Nikki

Hi all Well, good news. NR today accepted my mums proposal and said ' in essence the eviction is suspended, but you still need to attend court'. In other word, they are going for a suspension of eviction in case the account it defaulted in the future. We are attending court on Monday, i am hoping the judge will see that the amount we have agreed is, to be fair, too high considering their income and lets us pay less. This would ensure my parents can actually live off what they earn! But at the end of the day, it looks like they keep the house so good news!!!!

Hi all Well, good news. NR today accepted my mums proposal and said ' in essence the eviction is suspended, but you still need to attend court'. In other word, they are going for a suspension of eviction in case the account it defaulted in the future. We are attending court on Monday, i am hoping the judge will see that the amount we have agreed is, to be fair, too high considering their income and lets us pay less. This would ensure my parents can actually live off what they earn! But at the end of the day, it looks like they keep the house so good news!!!!

Hi Ell-en I will send it to you when i have completed it. The mortgage is in both names. Thanks Nikki

Hi Ell-en I will send it to you when i have completed it. The mortgage is in both names. Thanks Nikki

Hi Ell-enn Yes they intend to sell the property, we just need to finish a few small jobs. I have copies of all those things, and will complete the budget sheet. I have completed the N244 form, just need a better statement now!!! thanks Ell-enn

Hi Ell-enn Yes they intend to sell the property, we just need to finish a few small jobs. I have copies of all those things, and will complete the budget sheet. I have completed the N244 form, just need a better statement now!!! thanks Ell-enn

Yes i do have a printer and photocopier Ell-enn. Thank you. And thanks for your reply queensclose... i really hope that we can sort it out... not eating sleeping or anything!!! The payments will never be late again as i will be paying the mortgage direct debit on my salary date if its agreed. Fingers and everything crossed!!!

Yes i do have a printer and photocopier Ell-enn. Thank you. And thanks for your reply queensclose... i really hope that we can sort it out... not eating sleeping or anything!!! The payments will never be late again as i will be paying the mortgage direct debit on my salary date if its agreed. Fingers and everything crossed!!!

Thank you Ell-enn that would be great. Yes my Mum and myself are attending the hearing on Monday. NR are currently considering our proposal for payments... we have stated that we are able to pay £500 immediately and then £630 a month (£500 from us and £130 pension credit). Their regular payment was £470 so it is quite a bit more off the arrears. They can only do this as my sisters have agreed to chip in and help out along with me. Do you think they will accept this? and if not would a judge also accept it? We are certain that we can pay this amount and keep it up until the house is sold. (i have three siblings so it is not a massive amount each). Thank you for helping me... i cannot tell you how much i appreciate it.

Thank you Ell-enn that would be great. Yes my Mum and myself are attending the hearing on Monday. NR are currently considering our proposal for payments... we have stated that we are able to pay £500 immediately and then £630 a month (£500 from us and £130 pension credit). Their regular payment was £470 so it is quite a bit more off the arrears. They can only do this as my sisters have agreed to chip in and help out along with me. Do you think they will accept this? and if not would a judge also accept it? We are certain that we can pay this amount and keep it up until the house is sold. (i have three siblings so it is not a massive amount each). Thank you for helping me... i cannot tell you how much i appreciate it.

Ok i will do that. I have already submitted the N244 at court so i will redo the statement and take a copy with me. The hearing is at 10.00 on Monday. I will look at the statements others have done, although having some trouble opening them!!! Thanks for your help, i feel really anxious about the whole thing and couldn't bear for my parents to loose their home...

Ok i will do that. I have already submitted the N244 at court so i will redo the statement and take a copy with me. The hearing is at 10.00 on Monday. I will look at the statements others have done, although having some trouble opening them!!! Thanks for your help, i feel really anxious about the whole thing and couldn't bear for my parents to loose their home...

I will attached the supporting letter here if i can??? I hope its ok, on way to court now. I have spoken to NR and they have asked for an I&E sheet which i have completed. I have also provided them with copies of pension credit award, DLA award which clearly states that my father is unable to walk and is disabled, and a copy of my mums new contract for work. I have also stated that we are willing to help financially but NR stated that this should not be included in the I&E form. They stated that once they have recieved this they will review it and see if an agreement can be reached. Finger crossed. Just going to submit the N244 form now in case no agreement reached. many thank Nikki suspension.doc

I will attached the supporting letter here if i can??? I hope its ok, on way to court now. I have spoken to NR and they have asked for an I&E sheet which i have completed. I have also provided them with copies of pension credit award, DLA award which clearly states that my father is unable to walk and is disabled, and a copy of my mums new contract for work. I have also stated that we are willing to help financially but NR stated that this should not be included in the I&E form. They stated that once they have recieved this they will review it and see if an agreement can be reached. Finger crossed. Just going to submit the N244 form now in case no agreement reached. many thank Nikki suspension.doc

Hi Ell-enn I feel so relieved that you have replied i am sat here crying!!! In December 2010, my parents business folded. My father is physically unwell, and due to this his mental health has suffered. He is quite literally bed bound, and i am worried sick. My Mum has managed to secure a job, which at 60 years of age was a mammoth task. At first, she was working part time but in August she managed to secure full time hours. The arrears are around £8000.00. They have an arrangement to pay, but in recent months missed two of these payments. In August my mum attempted to pay a part payment to NR which they refused to accept. One of the problems that have added to this situation is that is has taken 20 weks to sort out pension credits to help with the interest on the mortgage. This is now sorted and NR are receiving these payments directly. I have completed an N244 form, and compiled a statement. in this i have stated that i am willing to help them out financially, and of course my fathers illness. Any help or advice would be greatly appreciated. i am currently attempting to speak with NR on the phone...fingers crossed!!! They are able to pay an additional £100 a month towards the arrears. Would this be acceptable? Nikki

Hi Ell-enn I feel so relieved that you have replied i am sat here crying!!! In December 2010, my parents business folded. My father is physically unwell, and due to this his mental health has suffered. He is quite literally bed bound, and i am worried sick. My Mum has managed to secure a job, which at 60 years of age was a mammoth task. At first, she was working part time but in August she managed to secure full time hours. The arrears are around £8000.00. They have an arrangement to pay, but in recent months missed two of these payments. In August my mum attempted to pay a part payment to NR which they refused to accept. One of the problems that have added to this situation is that is has taken 20 weks to sort out pension credits to help with the interest on the mortgage. This is now sorted and NR are receiving these payments directly. I have completed an N244 form, and compiled a statement. in this i have stated that i am willing to help them out financially, and of course my fathers illness. Any help or advice would be greatly appreciated. i am currently attempting to speak with NR on the phone...fingers crossed!!! They are able to pay an additional £100 a month towards the arrears. Would this be acceptable? Nikki

Hi Ell-enn I feel so relieved that you have replied i am sat here crying!!! In December 2010, my parents business folded. My father is physically unwell, and due to this his mental health has suffered. He is quite literally bed bound, and i am worried sick. My Mum has managed to secure a job, which at 60 years of age was a mammoth task. At first, she was working part time but in August she managed to secure full time hours. The arrears are around £8000.00. They have an arrangement to pay, but in recent months missed two of these payments. In August my mum attempted to pay a part payment to NR which they refused to accept. One of the problems that have added to this situation is that is has taken 20 weks to sort out pension credits to help with the interest on the mortgage. This is now sorted and NR are receiving these payments directly. I have completed an N244 form, and compiled a statement. in this i have stated that i am willing to help them out financially, and of course my fathers illness. Any help or advice would be greatly appreciated. i am currently attempting to speak with NR on the phone...fingers crossed!!! Nikki