Thank you - again, very helpful. I'll send something along these lines and use the wording you suggest. Thanks

Oh blimey ... I'm pretty sure they did say they'd write to confirm something... I think it was the payment agreement rather than deferring the court hearing as such. To be honest I was so exhausted after over an hour on the phone and then had to dash off all smiley for the school pick up - I'm only now reflecting on what happened today. I will check the court. Now you've said this, I think I'll also write to them confirming my understanding of the position...what do you think?

Hi I filled out the sheet - very helpful... I'll continue to use it to monitor my budget.... I phoned NRAM and to cut a long and tortuous story short, they've agreed to suspend the court action for 3 months and accepted a payment which amounts to a third of my salary. The deal is I sell my house within 3 months....this is OK (selling the house) because I'm trying to sell it anyway. I nearly lost it when they initially refused to negotiate BECAUSE my house is on the market! I told them in June that I was going to sell it and they didn't say this was a problem. Today they said their policy is that I should only have put it on the market as part of an agreement with them and as it hadn't sold yet, this negated any chance of 'forbearance' on the basis of selling the house.... ?!? - really confusing. I said they hadn't explained this to me when I told them I was trying to sell it and they said they don't explain their policies! - which is true - they don't! They really twist things you say too. The chap asked about feedback from viewers.. I said there hadn't been anything specific (meaning there isn't anything in particular about the house itself which seems to be putting people off) ... he took this to mean that I hadn't bothered to talk to the estate agent...so cynical. Anyway, I have a bit of breathing space, thanks entirely to your practical help and moral support. I wouldn't have had the confidence to negotiate/argue with them without your feedback - I really can't thank you enough....except... um...anyone want to buy a nice little house in rural Shropshire...??.. bargain price! Again, many thanks.

Thank you so much Ell-enn - I'll fill in the sheet now and report back ..... Thank you for your moral support HTA!

Hi I've been through several with them.... I'm doing another later today over the phone.... they seem to allow set amounts for eg car expenses... they allow £30 per month (excl fuel) which is £360 a year and just covers tax and the MOT test - no repairs or tyres or anything. I do c40,000 miles a year over rural roads so wear and tear is quite high.....I'm scared of agreeing to something unrealistic because they're saying they're going for a suspended possession order (assuming we can agree a payment schedule) and will go straight for possession if I default... to be honest I'm scared of them anyway... they were so aggressive when demanding 70% of my salary... I don't know how to persuade them to be reasonable...

Thanks for this...I've offered interest only on the mortgage itself and monthly repayment + interest of the arrears (over the same term as the mortgage)... this adds up to just over a third of my salary....they're demanding 70% of my salary and have fixed a court date for mid December...I live in a rural area 3 miles plus from nearest shop/bus, I work 8 miles away but in calcluating my 'expenses' they haven't taken this into account at all ie I have high transport costs and because I'm off gas grid have high (electric) heating costs too ....

Hi All - I'm about to face first court hearing with NRAM re repossession..7 year fixed rate mortgage which ends in March 2014...I've offered interest only for now plus a bit off the arrears then I can reschedule the mortgage in March... declined by them... they want repayments which equate to 70% of my salary which I think I would be mad to agree to as it isn't sustainable... thoughts appreciated please..