Thanks , much appreciated.

Hi All Firstly , a little background history about my predicament.... I am heavily in debt, I have the following monthly outgoings: NRAM morgage on my 2 bed house £389 NRAM mortgage on mine and my estranged wifes house(with our 3 children) £675 Firstplus Secured Loan £383 Individual Voluntary Arrangement via Debt Free Direct £247 Food, fuel, gas , electric, living expenses approximately £300 TOTAL £1994 INCOME (depending on how much overtime I can get) £2000-£2150 As you can see, I am living on a knife edge financially. Now, during the middle of last year,I had a few large bills (boiler packed up), and the overtime dried up too, and as a result, I missed three/four mortgage payments on my house (£389p.m). The arrears stood at £1132 at the end of September 2013, but I was able start paying £450 a month which I did. So the repayments looked like this.. September 2013 £450 October 2013 £450 November 2013 £450 December 2013 £450 January 2013 £450 Febuary 2013 £500 Therefore, anyone with half a brain could see that the arrears were REDUCING ! But guess what? Despite constant phone calls from NRAM ( which don't create more money to pay them!), they still took me to court at the end of Febuary with the view to repossess. I only had £713 arrears left at the beggining of March and a court date for 2nd April 2014.... So I had to sell stuff and skip paying other debts in order to pay NRAM. So I paid £477 to NRAM on the 17th March 2014 and on the 27th March, I paid £624, clearing the arrears and making April's payment also..... And they STILL took me to court! By this time I was bricking it. So on the 2nd April , I went to court to face them alone. (I cannot afford a solicitor) But luckily one of the court duty scheme solicitors was available. So we went in and NRAM's solicitor just said " we seek an adjournment" and the Judge just asked me if things were going to improve financially.... I just said I hope so , and that I am trying to work as much overtime as possible to increase my income blah blah blah.... The judge just said that if I have arrears again in the next 12 months then I will end up in court again. So that was it, I just wanted to get out of there.... After reading some of the posts, I think the judge was more in favour of NRAM to be honest. On Monday , I am going to send NRAM a nice £10 present and a Subject Access Request so I can claim my penalty charges back..... I hope CAGgers in the same boat as I am realise it's not as bad as they think.... Now my question is: Can someone send me the template for the SAR and some advice on what do? Also do those that know, do you think I was treated fairly by the court and NRAM? Opinions please? Kind Regards Dick