thanks nomore - I would be grateful If anyone is able to look at my previous thread which Lea has highlighted - i would have continued from that thread but was unsure if it would update. i am speaking to kensington on monday, probably won't be until tuesday that they tell me their response - proposal sent friday, receipt acknowledged, copy also posted this morning recorded delivery. (in summary i have offered a lump sum to bring the arrangement up to date). i am trying to see what they want as realistically i don't have a chance with the court as outlined by above.

my stupidity led me to not acknowledge lea s' asistance earlier this year. i'm under pressure and not thinking straight. sorry.i have sent off a proposal to kensington and will call them on monday morning - i sent it to their special services team (who asisted me unexpectedly earlier this year after the judge ruled against me), litigation team and also their solicitor i will update after i speak to them on monday am - i am planning to go to the court monday pm too but am now unsure if i have any right to do so.

''Let's not forget that previously this was not a warrant that was suspended. There was a failed appeal against the dismissal of an application to stay eviction, and the mortgagee decided to make an offer to the mortgagor outside of the court arena. Whether a stay application can actually be made is debatable since the court's involvement ended with the appeal. ''does this mean i cannot apply to the court ?

sorry, i obvioously forgot to thank Lea. in my haste, i thought ell assisted me earlier this year. apologies for any offence.No more crooks - i have now sent a proposal to kensington, a lump sum(3 months) to bring the arrangement up to date plus a explanaation re improved financial/care facility for my son.i am obviously relying on slim chances

sorry Ell, just seen above post too. i'll follow your advice to the letter. thanks so much. you're right re trying to deal with kensington in the first instance- they ultimately saved me last time.

thanks Ell. i will fax & email the offer letter to kensington tomorrow and post it recorded delivery on saturday am. do you have any tips re negotiating a lump sum/suspension with kensington ? the special servicing stepped in last time to assist me greatly last time around but at the moment i am dealing with the litigation dept who simply take your call and then liaise with the senior team. i don't have time on my time. shall i also apply to the court for a hearing N244 tomorrow friday am ? only 9 working days until eviction.

thank you for replying so quickly. yes, i can get; 1. proof of payments 2. care package since the last suspension, i made 6 payments & then missed consecutive 3 payments (july, august, sept) but made a payment on the due date in oct after they had commenced the latest action. i messed up badly by paying carers for additional care (no longer required due to care package). i am about to also submit a proposal to kensington to make up these 3 payments on 30 nov in addition to my previously agreed monthly payment. i know i have messed up badly. do you think it is only all the arrears they want now or could they agree a lower amount ? i had contact with a member of staff in the special services team - is it worth sending him the above proposal/s or trying to call him tomorrow ? i did try last month but he referred me to litigation (where you get some one different every time - they refer proposals to a senior team, as you probably already know) shall i focus on the n244 and kensington tomorrow am ?

received eviction notice today - eviction due for 7 dec 2012 - can any one assist me please ?

Hi Jamiethanks for your post - any feedback is appreciated. You are 100% correct, I am very fortunate due to the level of arrears. i can only assume that they have not pressed the button due to my sons disability. its taken us nearly 6 years to get the care package together and we are now facing eviction just as we stabilised our situation.today, i will be offering to bring the last arrangement up to date (3 payments) by the end of the november & then ask to continue as per the agreement (monthly payment plus 250) but as you say it sounds highly unlikely that they will consider it due to my record. would they consider another 3/6 month suspension ? due to the care package we have in place, a repossesion would mean my son being transferred into full time care. do you know if kensington would consider a 3 month-6 month period to allow us time to either sell (about 40k quity left) or transfer the care services on the basis that the arrears are reduced/payments made ? this would allow us some time and also reduce arrers - again, track record is again the issue.not sure what to do, eviction date will be here soon - do i try with kensington now or can i apply to court to suspend again on the basis of bringing previous agreement up to date or at least allowing us time to sell/transfer care services (again with condition of bringing plan up to date) ?i am planning for the worst case but really unsure how i will keep my son with us.thanks

embarrassing to be back but hoping ellen or some one can help...not sure how to upload my previous thread..mods if you can assist please or i can continue as per below i posted about 10 months ago... in a surprise move, after the judge ruled against me (4 previous evictions suspended) Kensington dropped demands for a lump sum (46k arrears now) and cancelled eviction - as ellen advised me at the time, '' Kensington have an outright possession order, which means they can apply for a further warrant of execution ''. This is what they are doing now. i kept to payments from the date of the last arrangement (january 2012 for 6 months, then missed 3 payments and then made the monthly payment in oct - action to apply for the warrant of execution has now been started by kensington - i am just waiting for an eviction date. they have applied to the local; court as of 16.11.12 (romford) just as a reminder, we have had a family breakdown due to the stress and care for my disabled son. this is the first year that we have had some level of stability - it has taken us years to get the care package we need to enable me and my wife to work full time. the latest default was due to extra cash payments that we made to carers - this has now ceased due to the extensive care package. i have only disclosed this to kensington in the last few weeks. if i lose the house, my son goes into full time care. no chance of getting the same package transferred - it has taken 6 years to get to this point. my mortgage record is appalling but the last 10 months has seen 7 payments. not good i know but some evidence at least. the bottom line is that they rightly view me as an horrendos account, arrears, not maintaining arrangements. i have managed to get some dialouge going with a member in their referral team. he has all our income/exp details - details of affordability have been noted but they point to my record. however, it appears ( i may be deluded) that they have left the door open for some lump sum offer. i can make payments due to commission which clients are releasing early (6k). i am not sure if this is enough and i am unsure how to now make a last bid to save our property. do i offer as a lump sum or say 2k per month on top of monthly payment for a 3 month period(the last arrangement was monthly payment 1536 plus 250 towards arrears) ? as stated, ellen assisted me greatly at the start of the year - hope there is still a chance.

thanks Star...personal stuff overtook everything and i nearly lost my home...however, lender has been great considering the circumstances. ended up not having to pay any lump sum. hope all good with you.

lea/rocco what a surprising day... i was ready for a day of lots of phone calls & negotiating etc... however, i got a call from the lender at 10am and they dropped their demand for a lump sum. someone at kensington took time to read my personal circumstances - something the circuit judge chose to dismiss. The care needs for my son & the MRS option were enough for them to cancel the eviction subject to the MRS being considered and for the monthly payments. I got the time i needed. kensington have said its a suspension of one month but even if the MRS is not possible, they are willing to continue with the monthly arrangement.Thank God !! not sure how i will make this more tangible but obviously consistent communcation is in order. i have 2 very good points of authoritive contact at kensington. i've checked with romford court and my eviction has indeed been cancelled - do i need to do anything else at this stage as the paranoria remains? its not the end but at least i have some time. i'm extremely grateful to kensington for this final opportunity - considering the options open to them, they have been very lenient. i am going to use this respite period to really sort my finances out and also to address issues which have led to dangerous financial exposure for my family. in summary, lea was right to rightly recommend the MRS - i have a feeling this is going to be a trend. my personal circumstances also were a major factor. rocco - appreciate your input over the past few days. thank you not sure if i will be of help to anyone but i'm grateful for the assistance. probably best to do the exact opposite of what i did for the past 5 years...

did you pay without anything to confirm the suspension ?

yes lots of phone calls but i have no issue with that, will get cracking tomorrow am. i may even go to their office in Reading if their eviction/litigation is based there. lets see.

also, at what stage are the court/bailiffs office contacted to cancel the eviction ? how can i confirm ?