Jump to content


Registered Users

Change your profile picture
  • Content Count

  • Joined

  • Last visited

Community Reputation

1 Neutral

About WA1306

  • Rank
    Basic Account Holder
  1. Hi Guys just to let you know I spoke with Birmingham Midshire to request capitalization of arrears and they have agreed. Also, couple of days after court hearing to defend eviction, I received letter from Birmingham Midshire that they have cancelled the eviction. Where do I stand now in current uncertain financial circumstances affecting everyone, 8f I miss mortgage payment due to loss of job?
  2. Just another question, I will try not to break the terms set in the order but in case if I do, will this mean lender can evict me by bailiffs without permission from court or any warning?
  3. I had hearing for eviction defence this more at 10am. I was in the court 9.30. Had consultation with on duty adviser. He asked me questions on my occupation, income, dependents, level and reason for arrears as well as how many years left on mortgage. He was like why you stopped paying judge will question and all that. Then applying the law he calculated £85 per month towards the arrears based on term left on mortgage. I already offered £200 on top of CML. He asked me to wait outside while he discussed my proposal with claimant. And came back saying claimant has accepted my offer a
  4. Thanks. I will be there well before the time. Do you think it's ok to mention to the judge how they have been behaving in the past and reason for arrears is mainly how they dealt with my account.
  5. I have the court hearing tomorrow morning. Very nervous and worried. Will update you guys with the outcome.
  6. I couldn't call them until this afternoon after 2and missed call from them. It was usual nonsense, all th hey wanted to know was that eviction date is on 26th at 10AM. Whether there are any changes in my circumstances. I mentioned t hgg at I am defending in the court and that o was waiting to hear back from the letter I sent. They said they stil want full arrears to be paid. I asked can I have arrears statement before the hearing? I thought to take it with me to the court to show the judge. They said this would take 7 to 10 working days so not before hear
  7. Thanks to both of you. After experiencing their behaviour so far I don't think their call was regarding court action. They must be calling to say they have acted reasonably and I need to pay full arrears. I understand dx100uk is suggesting not to call and I also don't want to take the stress of dealing with them but I will call them tomorrow morning so they can't say in the court they contacted but I didn't respond.
  8. Thank you Ell-enn. They are using suspended repossession order that was granted 10 years ago since then mortgage arrears were zero until recently. They asked for permission to execute that order in January last year. Did nothing about that unil 11 months later while the permission was about to expire. It makes sense if I had missed any m and mortgage payment during this time or not paid anything to reduce arrears. They want to keep that repossession order sword hanging on me forever. I am trying to pay arrears as soon as I can if
  9. Just an update, I came to the court at booked appointment. Court office checked the paperwork and asked £50 fee to be paid. I paid the fee. Was told to wait outside while papers being processed for the hearing date. Just received update from the office that my application is to be reviewed by judge who will make decision on hearing. I didn't know that the judge will review the case before hearing while I am waiting for the date. Worried what if he decides my case is weaker and no need for hearing? Is this normal procedure for the hearing date?
  10. Sorry, I was confused with the witness section. Just came back from the court, they said submission of N244 is by appointment only. They have given me appointment for Thursday morning this week.
  11. Hi, How I complete the statement of truth section? Do I need to take this form to some solicitor? Can my wife not named as defendant and not on mortgage sign this?
  12. Many thanks Ell-enn. I really appreciate your help. I didn't get chance to complete the budget sheet and N244 yet due to wife being away I was babysitting children. Will complete everything tonight will take afternoon off from work tomorrow to go to the court in the afternoon. Hopefully they can give me the hearing date before the eviction date. If judge accepts any request will that give lender another suspended repossession order? As the permission to execute current order expired in January.
  13. When the initial repossession order was granted back in 2009, the term was to pay ongoing monthly payment plus 100 towards arrears every month. Since 2009 at some point arrears were capitalized and there were no arrears, I was just paying normal monthly payment. When in arrears again, BM applied to court to enforce the suspended representation order. Does this mean the original term to pay 100 towards the arrears becomes applicable? I can easily pay £200 towards the arrears going forward. Don't want to commit to 500 in case I struggle. Ofcour
  • Create New...