sorry that sounded muddled,the op is paying extra before shes made an arrangement to pay extra and its not comming off the arrears

That could well be the answer but im not convinced and here,s why,when i was in arrears and i was on interest only,the arrears was paid back so much per month on top of the cmi before any extra has been paid thats what i just cannot get my head around

I hope they are not charging you 180 a month for the 16k arrears because if they are they would be getting a rocket down the phone if it were me.

If they are adding those charges to the arrears figure then they are out of order,any charges should be added on to the outstanding balance and thats a must.

A sar request is a subject access request to your mortgage company for all the information they have on you and your mortgage,should you send them one they have to provide you with said info inside 40 days.You can then begin to add up all the charges and so on over the years that you have incurred with a view to claiming them back if possible.However what gets me is all these different figures you have for additional interest these need to be questioned and challenged.I never had odds and sods on my statement when i was in arrears,it really does sound as though Engage are adding on some serious charges to your account.

185 interest payment per month and 27 arrears fee a month ??????? that just does not sound right to me,your already paying the interest on the outstanding balance with the 680 a month cmi.The way an interest only mortgage works is that you pay the interest on the amount borrowed,that,s the way it worked for me until i changed to re payment.Have you another loan with them or is the mortgage all you have with engage credit? Engage credit are not a lender so the mortgage must have been sold on at some point,all they do is service the mortgage you already have and these sort of companies do tend to weigh in with hefty charges which can be claimed back.I woul;d be making some calls if i were you to find out why you are paying this 180 a month and sending a s.a.r request to add up all these charges your getting,i have a feeling some of that 16k arrears is not all your doing.

Is the 185 the extra your paying on top of your monthly payment?

Your lender will be looking at you paying as much back in as little time as possible its no good stretching yourself let the judge decide rather than your lender.

Thats an extra 160 per month taking roughly 107 months to clear the arrears just over half the remaining mortgage term,thats what i would be looking towards as a realistic proposal.

ok forget the charges for now as they should be added on to the outstanding mortgage,so 215 months at roughly 80 quid on top of the 638 can be allowed for under the Norgen ruling so i would be looking to put together a payment proposal of around 800 per month,i think that would be more realistic than upwards of a grand especially as your just getting back on your feet.

Ok so the cmi is 638 per month,im just wondering how long the mortgage has left to run with regard to offering a realistic proposal on your N244.If i were you i would apply for a further stay of eviction offering to pay the 16k arrears over the remaining term,however i would also be keeping my eye out for rental properties in your area just as a second option in case the application goes against you.In other words a plan B. You know as well as i do that at one of these applications to stay an eviction you will eventually loose your home,having said that you have already had seven applications go your way there,s nothing to say you can,t make it eight but your on thin ice so a back-up plan wont hurt. Just one question,how long has the mortgage left to run?

Im no legal expert by any means and i can only really go by my own experience of dealing with an eviction order, i would take the above advice in your shoes but i do think there,s a good chance you wont loose your home if you keep up with said payments.

Look,the eviction has been stayed on condition you pay 850 a month, in a few days you will receive a copy of that judgement in the post, that judgement is set in stone. Of course you could pay more if you wanted but no less, you cannot be forced to pay more than the judgement states its as simple as that so just carry on as you are doing paying the 850

Its been adjourned for 3 months to see how you move forward with the payments.I thought you would be ok but dont miss a payment whatever you do,its all about affordabilty Oh and you wont lose the house in 3 months if you keep making the payments negative or no negative equity

Good luck for tomorrow,been there,done it and worn the t shirt,best of luck and i really do mean it.

Ok this has been going on for the best part of a year now and you still have the bailiffs on your back making unrealistic demands for more money that you cannot afford to pay. I have read through your thread and your in danger of becoming a regular cash cow for Marstons (or whoever bailiff company visits you next) if you dont do something about this now. I have read some of the replies and advice you have been given and while its well meant and the posters are well informed and have a knowledge of current bailiff legislation and countless bodies you can write to when it comes down to the nitty gritty and they are on your doorstep all of that will cut no ice whatsoever, of that i can assure you. The people you are dealing with have no wish to discuss payment plans, these are not reasonable people you can sit down with and discuss a way forward ,they are not trained for it, they dont turn up at your door with that in mind, never have done and never will. Bailiffs are interested in one thing, cash,the more the better. They dont really want your car or your goods. They are not looking to carry out a levy on goods in your house, its cold hard cash they are after. Had they not got their hands on your logbook and keys your car would never have been taken and by the same token had they not got through your door your goods wouldnt have ended up on the drive. You have to remember that these people are a breed apart from the rest of us. Its obvious that the car when taken would have covered the debt and then some, your own personal stuff was never going to be taken, it was done to cause you the maximum grief and embarassment possible (im surprised no one picked up on that) I have had more dealings with bailiffs when i had debts than i care to mention. Marstons,Bristows,task you name it they have come knocking at one time or another. Some of them nasty, some not, some make it known to all in the street who they are and why they have turned up, some didnt, some shouting through windows, police involved the lot. I could write a book on it. Times have changed for us now but i can tell you this you can write letters to the council all day long, you can ask how many liability orders there are and when they were issued, you can quote legislation till your blue in the face, it will make no difference. You are not dealing with a credit card company or your high st bank or your mortgage lender,these people do not discuss terms. Now im sure you have done some research on this (or you should have done) dont go on these beat the bailiff websites, freemen of the land and suchlike they are full of rubbish and utter claptrap, i will set out in bullet points what you need to do, Stop all correspondence with a bailiff company, do not talk to them or write letters to them or any of their departments (it wouldnt do you any good anyway) If they call at your house do not talk to them and whatever you do do not let them in your home. If they park up outside your house and start knocking on your door, just keep quiet and believe me they will go. I reckon on average three times at your address with no joy will see them off (that was always the case with me). The so- called warrant which is really just permission from the courts for the bailiff to recover the debt will be returned to the council for further action and that is what your looking for because then you can think about paying the debt in question at a rate you can afford. I had this discussion with Severn Trent Water a few years back. I told them that i wouldnt be dealing with the bailiffs they had instructed and after the warrant was returned a reasonable payment arrangement was agreed and the bill was paid. Now, a lot has been said about bailiff charges and it has come up in your thread. I have never paid a penny in charges once the warrants has been returned, no fees were ever added to the debts i owed. I may have been lucky i just dont know, my guess is if they could not recover the debt there was little chance in getting costs but thats just assumption. You must get the warrant returned to the council then the fog will clear and you will be able to settle your debt(if there is one) and find out what happened to your vehicle, it wont happen while you have a bailiff company on your back.

I have been reading through your thread, i too have been in a similar position to yourself with a 5 day eviction order so i have been where you are now and i understand just how difficult this time is for you, however sympathy is the last thing you need at the moment,just some good, sound advice. Firstly i would forget about charges for now (you can come back to those later after the hearing) The main difference with a mortgage in relation to all other credit you take out is that your buying your home, the roof over your head, its where you share your life with your family, no other debt you take out is filled with emotional ties like the purchase of your home ,in some ways it transends being a debt and of course its so much more than just an advance of funds for which you have to pay back, and its that emotion that you must get out of your head if you are going to keep your home. Kensington are doing nothing wrong in gaining possession of your property and serving an eviction order on you for mortgage arrears. your payment history since 2006 has been at best intermittent and at worst downright appalling. You have put other debts before your mortgage repayments, whats worse you defaulted on a payment arrangement ,to be honest its no wonder you have had their arrears dept breathing down your neck for years adding charges to your account (rightly or wrong) your priority debt is your mortgage full stop. You need to calm down, start thinking straight and use this paragraph as your starting point. The way you have to look at this is that you took out this mortgage, you signed the paperwork so you're responsible for paying it back and thats what this hearing will be about affordability plain and simple. A judge wont be interested in the fact that Kensington are a bunch of sharks, or a string of sob stories for that matter about what led to you being in this position, lots of waffle will get you nowhere. The facts are this, you are in arrears can you pay it back? how much can you pay? and most important can you stick to the agreement you propose. It will be a 10 min hearing (if that) you're going to have to show a judge that you can afford this mortgage and be able to clear the arrears and thats not going to be easy given the history to date. When i was reading your thread i thought if it were me i would throw in the towel but when the figures are added up you could be set for 40k shortfall so repossession is a last resort in fact you cannot really afford to have the house repossessed so you need to tread carefully and get your facts and figures in order, you have two weeks before the eviction date so there is time yet. Using Norgen you could get away with around 90 pound a month off the arrears for the remaining term plus your 640 contractual ,lets say 750 per month, i wouldnt stretch it much more than that, in your shoes i would be offering 800 a month total but no more, its no good putting figures forward if you cannot keep to arrangement your putting forward. I reckon you stand a good chance at that but if you fail to keep to it i think you could and would loose your home. If you are successful and theres a good chance you will be, then claim back all those charges, fight one battle at a time. I have to add a p.s to the above,if in future the 800 gets too much or you fall on hard times again you can always put the house up for sale on the open market,getting the eviction set aside widens your options for the future.