Thanks you Ell-enn thats very kind of you I will fill in the form later and let you know if I need help with the letter. Lea - no the fees are at £5100 at the moment the arrears are £2598.

hi Lea thanks so much for your reply... There are 230 months left to run on the mortgage and no there is not any equity in the property. We do not have any other loans secured on it either and we can usually come up with the extra £100 a month as we are on an interest only mortgage and the monthly payments are not too high at the moment - The £700 of missed payments was between april 2011 and march 2012 - some months it was as little as £7 we were short and the worst was march this year when it was £461.62. Like I say my husband did call and tell them each time we were short (its all in his name) and they have always said that was fine as long as he paid what we could and kept them informed. I am so cross with him as I am always nagging him to put things in writing with them so we have proof and he never does! My husband is self employed and the time we did not meet the full payments were times he had little or no work. I am hoping to have £800 together by next Friday - will it improve our chances if we pay as much as we can before the court hearing? We have not had a date through yet and I might be able to raise some more if I sell a few bits I will take a look at the sticky thread thank you for letting me know about it Thank you so much you have made me feel a bit more hopeful - I was convinced we would be out on the streets with the kids and pets when we opened the letter last night!

Sorry also should have said - our arrears fees are currently at £2,598

Please can anyone give us advice... Back in 2009 we were in arrears with rooftop mortages and it went to court - we were give a suspended possession order and had to pay back £100 on top of our monthly payment which we kept up with well at first but did struggle to pay on occassions, called rooftop explained and was told it was fine each time. A couple of weeks ago rooftop sent us a letter saying we were £700 pound odd behind with this order so we requested statements to check the amount was correct, we did and it was - called and said we couldn't pay it all at once and also that this month we would be late paying our monthly payment but paid the £240 we could pay then. They told us this was fine and that they would not take our home over a small amount like that. Today we got letters saying that as the order from 2009 has not been adhered to they are putting in at court for a warrant for possession of land and that we will be notifed in due course of the eviction date. We have been staying with family a couple of days and have just arrived home to find the letters hence why I am on here so late Please can anyone advise if this can be stopped and what we need to do, I can't lose our home, im so stressed and upset and don't know what to do Been looking on the interenet and am getting so confused Thanks so much