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Kay2620

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About Kay2620

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  1. Hello Well its been a while but I am now in need of very very urgent help please. I have an eviction notice for 1.30 on Monday 17th January on behalf of Birmingham Midshires after missing 3 payments after a cancelled eviction in October due to money not coming very well but still going out. My personal circumstances have changed since I last posted, in that I split from my husband and now have a new fiancé. My health is still not good (registered disabled). I have 2 children (15 & 16 both in f/t education)My fiannce has been clean for 2years. I have contacted the national debtline &am
  2. Hello Well its been a while but I am now in need of very very urgent help please. I have an eviction notice for 1.30 on Monday 17th January on behalf of Birmingham Midshires after missing 3 payments after a cancelled eviction in October due to money not coming very well but still going out. My personal circumstances have changed since I last posted, in that I split from my husband and now have a new fiancé. My health is still not good (registered disabled). I have 2 children (15 & 16 both in f/t education)My fiannce has been clean for 2years. I have contacted the national debtline &a
  3. Hello Everybody What a difference a week makes, thanks to the advice & support that I have received here, I feel a lot more positive and am hanging on to our home....... As per Ell-en's advice I went to court on Monday, where Capstone didn't turn up but had sent a notification to their solicitors to say that we had come to a agreement. The Judge asked if this was so. I agreed. So the eviction is suspended. We have to pay CMI + £140.00 from 1st September. Today I received a letter from the solicitors confirming that the eviction is cancelled, so if they should turn up tomorrow a
  4. Hello Everybody Today I paid the £760.00 as I had promised. The lady on the other end gave me an Authorisation code. She asked why I had offered to pay them CMI + £140per month but applied to the court to pay £35.00 per month, I explained that when i filled out the form I had done so on a weekly basis. She put me on hold & then said that the payment plan was accepted and my first payment under the new arrangement is due on 1st September. She asked if I was ok to hold while she rang their solicitors to cancel the action, I agreed. When she came back to me, I asked if she could send me
  5. Evening All Well I am feeling a lot happier tonight than I did this time yesterday.... I rang Capstone to check that they had received my fax, which they had but he wasn't sure about my budget sheet, i had done a lot of the workings out weekly & they talk monthly. So i redid the budget sheet and on the fax header page repeated my offer (again). I rang back again to see if they had received it ........the guy said he'd check if it had come through. I was on hold for ages, but then he came back & said that my proposal had been accepted I asked if he would put it in writing,
  6. I also think we are probably in negative equity.
  7. Yes I can, as I said to Capstone this morning, I worked the plan out on the premise that we WOULDN'T get help. It wont be easy but ........ I have looked briefly at Mortgage Rescue but I am not sure if we would qualify.. I have also just being looking at Shelter's site and they say on the pre-action protocols that if the lender refuses a ppp then they have to notify in writing within 10 working days.......I did put a plan forward on 29th/30th July and haven't had a letter........does that help me at all? Kay x
  8. Ok thanks Ell One thing though, when I went to dwp about my esa, she showed me my screen & on there it showed that i had been turned down for mortgage help..... I haven't had any letter though.......but I haven't chased it because I felt that a "maybe" was better than a "no", what do you think? Kay x
  9. sorry .......it is on Monday 17th
  10. Evening Everybody Well a hectic day, not sure how far I have actually got but........ First thing this morning I rang Capstone and was told that my payment plan had been refused......she said that she was concerned that i had recently done 2 payment plans, one showed a minus income against outgoings, but the second one showed some disposable income. I explained that the first one had been done on the phone with no preparation as i hadn't prepared a budget at that point and I said several "no this isn't right I cant remember the figures": the second one was done with the help of National
  11. ok.......i'll ring them in the morning.....shall i ask what figure it will take to stop it? Before i say what i am offering? I have said in my application that i will pay cmi + £140....... Again thanks Kay x
  12. ok...so am i best to ring capstone again tomorrow to try to get the eviction stopped? And what is the best way to get them to cancel the eviction? I should be able to pay some more money to them on Friday........i basically missed 2 payments after the original court suspension of possession.......which comes to £750...... this months' payment with the new extra monthly payment that i proposed is £513........i paid £500 2 weeks ago so if i paid £760 i would be up to date........i should be able to do this on friday..........what so you think? Again thanks Kay
  13. Hi Thank you for all your support, it helps right today i went to the court to get a hearing date......and was told that they hadn't received my n244 etc........it was hand delivered, the lady also said that the other side's solicitors had rung them........and that she couldn't accept the copy that i had with me as they were copies of benefit letters. So I am going back tomorrow with the original benefit letters. I was told that my hearing would be next Monday.......... I have also had a letter from Capstone saying that they have received the eviction date and i was to comply
  14. Thank you for your words of support and good luck with your claim
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