Thank you everyone for advice and support, they have accepted my offer to clear the arrears, the judge and santanders representative were quite reasonable. Finally I can sleep at night. Saw a few other people going in with the same santander rep, I hope they managed to come to an arrangement too These things can so easily happen and before you know it you can get in serious trouble.

No duty legal advisors available:-( I am waiting to speak to santanders representative when she gets out of the current hearing. I think I'm going to pass out with stress

Oh God! My phone won't open it! I am literally driving there now, can't get any other internet access, will just have to be truthful and hope they are feeling kind

No I haven't prepared one, can't think of anywhere to be able to print one off, only my mum but she is at work

Oh no my printer isn't working I never use it so never bothered replacing it or fixing it.

I haven't got anything in writing, I tried calling and making a card payment and an Indian chap said my case would now only be dealt with by Hamlin's and he hung up before I could protest. So I tried going via the automated phone payment system and got a letter a few days later saying we cannot accept payments on this account but I am not sure if I even still have that letter as that is my only proof from them, I have received so much from Hamlin's and the courts that I have lost track mainly because I got into a state of shock and panic. I can't open the attachments on the links as I am in my phone but will try and get my laptop on tomorrow. I called a repossession helpline a few weeks back and they said not to panic and that the courts will be very unlikely to refuse a reasonable offer to settle the arrears, and that they receive hundreds of complaints re santander. They said one of their employees could represent me in court if I wanted although they didn't think I would need it, however they charged a flat fee of £299 which I could do without spending right now. I actually can't even think about Xmas with this hanging over my head and thinking that we will be homeless by Xmas, but realistically, with having 3 children, I will have to start making plans for the big day and £299 will go a long way towards the kids presents. But if I lose the house then I will have wished I'd have paid it - I'm so confused! Should I go on my own? Its probably too late now to get anyone to represent me.

I'm new to this forum so hopefully posting in the right place. In august I had a run of poor health which reduced my income slightly but my big mistake was handing over the control of the finances to my (now ex!) partner, his gambling and drink problems got the better of him and I have ended up with £3000 of mortgage arrears to santander, plus he had taken out loans in my name, both legit ones and some not so legit! I have had many threats and people knocking on my door day and night. I have sorted all that out and income back to normal but despite me trying and pleading and explaining to santander they wouldn't let me take a mortgage holiday or capitalize arrears etc and referred my case to Hamlin's solicitors. I have tried making payments to santander and they refuse to speak to me saying all correspondence to go to Hamlin's. Back in August when my arrears started, santander sent out a field agent who was very pleasant and went through an expenditure sheet and I signed a DD form to re start making mortgage payments plus some extra to cover arrears, I thought this was the end to my problems and then went back into hospital for further treatment, only to come out and check my bank to sew that no DD had been set up, when I rang santander to ask why not, they said it was too late and my case was now with their solicitors. I tried on numerous occasion to speak to the lady allocated my case at Hamlin's only to hear a recorded message that she was away from her desk and to leave a message, which I did but she never called back, if I went via the general office number the receptionist put me back through to the woman allocated my case, who was again, away from her desk. On the one occasion I did eventually speak to her she refused to accept any proposals to come to an arrangement but just told me to fill in an income/ outgoing form and then see what happened when we got to court. The possession hearing is today 12th Dec at 3.30 pm, I am so terrified, I feel suicidal with the stress of it all. I just know they will repossess the house, I will just die of shame if I don't end it myself before then. I can offer to pay £70 on top of normal payments, my house is worth approx £110k and outstanding mortgage is £45k, I have lived there for 13 years without defaulting and in fact for most of that time have made an extra payment each year. (I always made a payment 4 weekly when I get paid instead of the calender monthly payment that they request. What should I expect when u turn up in court? Should a prepare a statement? Or an incomings / outgoings statement? Please help, I'm devastated and terrified.