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NatashaR

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About NatashaR

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  1. I hope somebody will be able to advice on this. I have been on council tax benefit for quite a while and also claim job-seeker allowance. At the end of 2013 my JSA claim was closed and I am in a process of appealing this decision, but due to the fact that I nearly depleted whatever savings I have left I am about to borrow money from a friend to keep me going until I sort myself out (I know I can go through the JSA rapid-reclaim procedure, but for reasons I won't bother you with I don't want to do that). She was kind enough and agreed to do that on a monthly basis until my appeal goes thro
  2. I have been on job-seeker allowance for about 2 years. At the end of 2013 my JSA claim was closed and I am in a process of appealing this decision, but due to the fact that I nearly depleted whatever savings I have left I am about to borrow money from a friend to keep me going until I sort myself out (I know I can go through the JSA rapid-reclaim procedure, but for reasons I won't bother you with I don't want to do that). She was kind enough and agreed to do that on a monthly basis until my appeal goes through. The amount I'd like to borrow isn't big (it is comparable to the JSA I wa
  3. "Thanks" Lea. No payment? Where did you get that from? Are you working for a bank by any chance, because judging by your response above you'll be very good as a solicitor there! I thought that I was going to get some help and assistance on this forum, but I see I was wrong and this is a complete waste of my time. Thanks, but no thanks. -==-
  4. Thanks again Lea. Apologies for this, but what do you mean by "the mortgagee may press on the prejudicial issue (to them) of the delay"? I have no idea whether the judge was a deputy or not (if I ask my soicitor who represented me, would he know?). I take your very good point about the lender quickly "withdrawing the case, following PAP and reissuing possession proceedings" - this is what I am afraid of: if I write to them and ask for paying the interest only option, then they may as well reject it (as they are under no obligation to accept anything), say "we are compliant now" and wash t
  5. Thanks Lea. The adjournment was because we've submitted a complaint to the ombudsman, not because of the lender not following the protocol - even though that is one of the points of the complaint, this is yet to be decided by the ombudsman. I have no idea how long would that take (to get a decision from the ombudsman), hence the questions I posted already: "What I am not clear is what happens if I have to make a court appearance and there is no decision from the ombudsman? Is the case going to be adjourned again? Similarly, if my complaint (about the lender not following the protocol and
  6. I hope somebody would be able to assist me with this. A couple of months ago the money I was getting from DWP for my mortgage stopped (I am on JSA income-based) and I started racking up my mortgage arrears. Up until then I was able to keep up with my full repayments with some help from "external sources" (mainly friends). When that happened, I did contact the lender to let them know that I'd be able to pay the interest on my mortgage, but nothing else as I couldn't afford it. Even though I spoke to them on numerous occasions and they verbally accepted that I am going to pay less (though I
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