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billywitch

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  1. Yes the arrears are more than 3 months contractual payments. Thank you
  2. Hi after some advice please. We are planning to let our house be repossessed by NRAM after falling behind with payments to save for a rental property. NRAM agreed to let us pay a reduced monthly payment for three months which we did, we have now completely missed last months and have had a few phonecalls asking us to get in touch etc. but we haven't. Two weeks ago we recieved a letter from a solicitor/recoveries company acting on behalf of NRAM saying that we had fifteen days to respond and clear all the arrears or they expect to be instructed to issue possession proceedings against us. We thought we would have to miss three full payments before it was sent to a solicitor or is this what normally happens? If so, can anyone advise what the next stage is likely to be and how long its likely to be before we get repossessed? Many Thanks.
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