I'm honestly not looking for excuses, but I understand why it looks that way. This mess is completely our responsibility and I may have lost the home my 3 children were brought home from the hospital to, and I'm devastated. The reason for me mentioning it is just that I was shocked that such an important and time sensitive legal document wouldn't need to be sent to us by recorded delivery or at least made sure they handed it to the intended recipient I really do appreciate the advice x

page 2.pdf This letter was delivered by hand to my daughter who has disabilities and 15, i only found it when tidying her room a week later

Hope this is OK mortgage letters.pdf

Hi thank you for the replies. I know this sounds unbelievable but I'm not sure what stage It's at as I've buried my head in the Sand and pretended it's not happening I have crippling anxiety and depression and my daughter is neurodiverse/self harming/eating disorder and suicidal so things have been really tough at home too. We have a webex hearing on the 1st March and I've been reading that i can do a "minute for recall" as we haven't replied or represented ourselves at any point Thing is I have a pretty good job but my wages were arrested for council tax for almost 3yrs and Things got very tight There is 50k left and 6k arrears It's actually only in my husband name as we bought in 2006 when i was having babies! Any advice would be appreciated x x

Is anyone able to give me advice on how to stop a repossession hearing. I'm so scared