hi , i am new to this and require some advice,right here goes
i currently have 2 repossession court dates in place lets start with the first one
the first one is with a secured loan on my property i have spoken to the solicitors dealing with this and gone through income and expenditure with them my current repayments are £165.69 with arrears of £1534.04 now having spoken with them and arranged a repayment schedule i still have to attend court as a matter of going through the motions,my problem withis is the solictors would only accept £165.69 and an extra £165.69 towards the arrears which means double payments per month as the arrears have to cleared within 12 months ? now when i asked to change the payments dates they said they could not change them and i would need to speak to my lender,when i did this the lender had a go at me for arranging my repayments with the solictors that they had put in charge of the account instead of contacting them when the letters of the court hearing clearly states i must contact the solicitors (strange).
now the second one is my mortgage provider who are now applying for a repossession order with the court date fixed for a month after the first one my payment plan was already in place with there solicitors of repaying £505.00 per month but due to some unforseen circumstance we fell a little behind on this and i spoke to them to tell them this and would catch back up to date with the plan before the end of january , but all they said to me was the the orders were in process of being sent out and i should ring them back up when i reiceive them my current arrears are £2589.93but also again they are saying this must be payed back over 12 months once i am out of arrears that i should contact my mortgage provider and go on to a intrest only mortgage but having already spoken to them some time last year they refused to do that wether i had arrears or not.
i know i have babbled on a bit but my question is at this late stage could i still loose my home,and what could be done if possible to sort this out any help would be appreciated