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stressedout1967

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  1. Just a quick note had court day on Monday, was not feeling positive and when i saw the duty solicitor she said the judge was known for being an unsympathetic judge. so we went in the judge listened to both sides. then he said he was concerned there was no surplus cash to allow for an unexpected bill repairs etc. he said he had searched our history and was aware of past attachment of earnings and was also concerned we had some bad debt issues. well by now i am sat thinking this is it he is going to allow the eviction. but he said he was only narrowly convinced we would maintain payments so he would give us that one last chance but that we should also write to our non priority debt companies and offer a lot smaller payment plan. that we were paying far too much to these people and if we needed help with this to seek help from a free debt advisory service. I did this and have already saving £200.00 a month. well i hope this has helped but i would advise to be careful what you include on the budget sheet and allow a bit free and explain this is for emergency purposes.
  2. i havnt been to the doctors so didnt have a sick note, How would i get a copy of the death certificate? i am unsure of this as he didnt live with my mother and my stepmother does not have anything to do with me and thanks Ellen wouldnt have been able to do it without your help. going to a secong eviction hearing in such a short time really worries me but we will try all to keep out home. i am sure nothing else can surly go wrong for us.
  3. Hello again being a pest, didnt realise courts are closing earlier 2pm so missed it today, i have put forms together and have looked at last statement Ellen did me, i have alrered it to explan current reasons, i hope someone will have a look and let me know what they think. i didnt know if i should add something about having have eviction cancelled in november and no payments made since then. also do you think judge will allow us to change payment dates so we can set up standing order to be paid same day as wages come into account thanks again.
  4. Could someone help with a letter plz to attach to court forms as i need to get them at court tomorrow Eviction is for 7th match please i am not very good at trying to put together a letter thanks in advance
  5. Hello again so sorry to have to ask but i am afraid i am need of help again, as you will be aware we were granted a eviction suspended in november but unfortunatly we are be evivted again on 7 march, i have not been well and not been at work due to the loss of my father which i have taken badly, i have now been back at work a month and am now ok to work again, because of this loss of my wage we have not managed a payment since the eviction was suspended. but will be now. i need to file the papers with the court on monday and hoped Ellen would draft me a letter of she is able to please. I know reading this we probably deserve to lose our home but i hope am hoping the judge will give us one last chance. Idid ring lender explaining this and also if i could change the payment date and set up a standing order so the money would leave our account on the day we get paid. she said no this was not possible as the court sets the date and we are under a court order so we would have to go back to court to do this. everything in this thread is still the same finance wise etc.
  6. Hi Ellen, eviction suspended, thankyou so much for your help, went into court with duty solicitor, I losy my father yesterday so took nothing with me as my frame of mind is not good at the moment, well the judge read through statements their solicitor went on how we are a risk because of missed payments etc, the judge asked me what house we lived in i said semi, 3 bedroom he tutted, then asked if my son worked i said yes but only part time as he cannot find a full time job, he looked at me and said its a sad time and the poor parents have to pick up this countrys mess, then he said how much is left on mortgage the duty solicitor said 35000 and the property value is 100000, he tutted again said arrears would be cleared in 4 years which was a quarter of the term left. he was angry and told the duty solicitor that they had no right in asking for bank statements from my stepfather and then he said why are we here, about 3 times then said i am suspending this its very obvious that kensington see the equity in the home and that is the only reason they are intent on trying to gain possesion. he was so nice and wished me luck with the new year and said he could see i have had a tough few years and to go home and grieve properly with this weight lifted. thanks so much again Ellen
  7. Hi again, Ellen do you think i need to take any documents to court with me like wage slips or wont they ask i dont know what i need to take, only 2 more days to go also Ellen if the judge says the eviction will go ahead still will he give us time to find somewhere? thanks
  8. Hi Ellen, i hope you dont mind me asking for your help again, we have the hearing on friday morning and i hoped you would let me know what i need to gather to take with us. i have copy of the court documents you did for us and also the court gave us a copy too, do i need anything else. thanks again.
  9. Hi Ellen, put papers in court today, got my hearing next friday morning..i was so nervous and that was just putting in the papers...while i was waiting 3 other people came in filing for suspension of evictions too. Anyway i will catch up with you in the week, i hope you can help prepare me for this i am dreading it..going to try and stop worrying even if its for a couple of days..thanks Ellen
  10. Yes i have printed double copies of everything..allready too take to court and yes i will let you know tomorrow what date they give me.
  11. Thankyou so very much Ellen for your help so far..I will get this together and will be taking it tomorrow morning. i will let you know how it goes tomorrow thanks again could not have done this without you.
  12. Ellen, depending on what date the hearing will be we are unsure if my husband will be able to attend, so when i fill the forms in do we both need to sign or just me also q1 should i put both names or just mine, he cant get any time off work till next friday so if its any other day he cant get
  13. sorry just noticed that you were doing that for me, i have been told i can put this application in the more local court and to keep in contact with the bayliffs office the warrent is in, but at the top where it says name of court to i put Nottingham where i want the hearing and taking the forms or the court on the bayliffs letter thanks again
  14. Adding to my last two threads i have looked for hospital letters only one i can find is a copy of one sent to doctor saying i had had plaster taken off and was advised to mobilise and be seen again in six weeks that was mid feb. oh dear is this going to be a problem i dont even have any wage slips for that period, only after the new tax year in april. also i have downloaded the n244 for is that correct, can you help me with it, i dont have a clue where to start with that. thanks so much again.
  15. Thanks Ellen sorry but late replying, i have taken off the overtime in case it were sttopped again the 1550 is the current amount without overtime, it should be a little lower actually i will amend the budget sheet now, i didnt get a sick not as i dont qualify for sick pay i only work 10 hours a week. i am trrying to find a the copy of the letter that was sent to my doctors. i am just going to print the forms off i need now too. i will do budget sheet now and post when updated.
  16. That fine thanks Ellen you are a star, i will post when i am on here tomorrow
  17. Hi Ellen, do you think i should change the budget sheet? I will be leaving for work in an hour, i will be home tomorrow so will be able to answer any questions, print off forms etc that i need to do..when filing the forms for a hearing, how long does it generally take to see a judge. i am sorry to ask so many questions. i am even dreaming about it all now oh dear. i am dreading the judge will laugh us out of the room, anyway thanks again. i
  18. hi there the entertainment costs are for the odd night out work events etc the £50.00 is for food for my daughter while she is at uni..she does not get enough goverment suport because it is based on our income and even with her p/time job she only just covers her accomadaion costs. hope thats ok
  19. Hi Ellen thanks for replying and helping me. I can keep popping in later tonight and tomorrow morning, i cant give specific times sorry but i will keep checking and answer anything you need to know. i go to work tomorrow at half 2 so wont be back till late. Will you also post a link to the form i need to download please. Do i need to gather any other documents? i will also take another look at our budget sheet to make sure i have got it right Thanks so much Ellen i was beginning to panic that with my luck lately you would be on holiday. your a blessing thanks
  20. Hi again just to add had a letter back from lenders today , saying no to last proposal that they are continuing with eviction and if i offer a lump sum with all the relevevant documation bank statements etc they will consider it again. I dont have a lump sum which they know so its off to Court for certain. I know why my stepfather withdrew his offer when they asked to see his bank statements. He did not want my mother knowing his affairs which led to them arguing etc and now they have seperated because she found out things. Things are getting worse i now have stress of making sure my 63 year old mother is ok too. oops going on abit again. When you have time can you help me sort out what i need i can get to the court on thursday or friday. to put the claim pack etc you talked about, thanks again
  21. Hi there, i cany offer any advise, i have also had my eviction date yesterday...but if it helps a little you are not alone, i am beginning to wonder if living in a cardboard box would be less stressfull than all this. Life has its ways of testing us and in this world it seems we are just numbers and thats it. i have no idea what i need to do and am eagerly waiting for Ellen to pop into this board and offer her wobderfull advice, which i no without doubt she will give you also. anyway i just wanted to say hello and share this stressfull time.
  22. Hi Ellen got my notice today for 13th november, can you help with what to do now please, the forms i need to apply to court with etc. also it says Mansfield court but i hoped it would be Nottingham am i allowed to go to Nottingham its cheaper and easier for me than the other. i am at work soon till late so will be unable to reply till tomorrow. Cant wait too get this sorted so i can sleep and eat Thanks Ellen for helping me. also i will be able to make the months mortgage and 150 towards arrears for november payment too.
  23. Thanks Ellen i will wait for notice, and the payday loans were taken to meet daily living so to start with the first one was i suppose then we just fell in a trap of borrowing more if that makes any sense.
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