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  1. Just looking for some advice, recently I asked my work coach at my Job Centre if the worst comes and I do face a sanction in the future while I am on Universal Credit, will my housing element be affected as well, and he said yes, is this true? I thought housing element won't be affected while on a sanction, or his he wrong? I just hope I don't end up on UC for too long, I am aiming to get into work ASAP.
  2. Hi All, I have recently (in the last two days) been subject to a second hearing for possession of my home by Swift Advances. We've had two hearings. First hearing the CC judge ordered that we investigate the excessive interest on our account and get clear explanation from Swift as to why they have charged an account management fee every month since the year 2007 to date--totalling £5267.00. We investigated to the best of our affordability to no avail. However, Swift advances made a statement over the phone to me (i quote) "We at Swift will never charge you a fee as long
  3. Hi I have received a letter re: possession order from Drydensfairfax today (not unexpected) for arrears of £3258. The letter states that the order will become enforceable on 9/10/17 and that a money judgement for £92982 was also obtained. The letter asks that I clear the arrears in full prior to this date . If I am unable to clear the arrears, to forward proposals for clearance of the same within the next 7 days. (I have no way of clearing these arrears). Once the enforcement date had expired they will apply to the court for the issue of a Warrant of Possession.
  4. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  5. Hiya all, Need some help for my brother ( as people were very helpful before ) My brother has a rental contract that ends on July 2nd, he has signed a contract for a new house which he is due to move in on September 1st- it is cheaper- he has two children a one year old and a three year old. He has rental arrears of £2250 but has put a plan to the LL which would see these gone by September 1st when he moves. This was rejected by the LL and the last correspondence was that he had said he would try and see if he could get the September date earlier, he has just returned to full ti
  6. Hi, I currently am in breach of a suspended possession order dating back to the 4th of september 2015. An order was made that i had to pay an extra £1000 on top of my normal payment of £650 per month in order to pay off the arrears of £6000... at the time i was lead to believe that i had to accept this or the judge would def evict us in desperation agreed...i know now that was a mistake. I actually did manage to just about get the arrears under control by selling most of the contents of my house and stopped all building works. ..which was what put me in arrea
  7. I recently fell behind with some rent payments, which I'm now paying back. My Landlord issued a claim for possession through the courts and the hearing date is in April, however, today I received a form 6a from the Landlord and I'm really confused! Does this go hand in hand with the Court hearing? It appears tactics have changed. How do I stand with a 6a as it states 'no fault possession. The Court claim says it's due to rent arrears. Please could anyone shed some light on it for me?
  8. If you are issued a section 21 notice, and there is no hearing, there is no way to contest costs. The judge has discretion to award costs or not. I was issued a section 21 because I would not accept a rent increase. No other issues with the tenancy. Costs were awarded. Whether a section 21 is issued or not is completely at the landlords discretion. Then forcing a tenant who is otherwise not in breach of the tenancy to bear that cost seems to be a violation of the consumer contracts act, 2015. I want to take that to small claims. Do I have a case? As I understand it, small c
  9. Hi, I was wondering if you could offer some advice around Excel parking and BW legal? On the 14/08/2015 I parked in Stockport Peal Center car park without a ticket as my youngest (4 years old) of three children needed the toilet ,i had no change and there was no pay by phone or card option. As i had all three children and the first toilet we tried was out of working order it took around 35 minutes between entering and leaving the car park. I received a penalty charge from excel, which i disputed due to the inflated charges (£1.30 for 3 hours to park), but o
  10. My landlord has submitted a claim and now I have a form for defense. I have been abused by the landlord over 4 years and last year I finally managed to have the council serve a notice for repairs which were done in the worst manner possible. I know the following: 1. I was never given details of my tenancy deposit being protected until now where I have seen them for the first time 4 years on. 2. The name on the claim form for the landlord is the wrong surname 3. The council requires a landlord to have a licence prior to submitting a section 21 and this was not done. 4. The court
  11. Hello, A few years ago, you provided absolutely life-changing advice when I was facing eviction from my home. I have managed to keep everything going, with difficulty, for 4 years. On Friday, I was ambushed at work and told that my job was "selected" for redundancy. (I have to add that there are only two full-time employees now where I work....and one is the owner!) I would like to be forewarned as to how fast and how ruthless Mortgage Express is likely to be when my pristine payment record falters. Many thanks for your assistance.
  12. 2K debt turned 30K by insolvency solicitors now threat of possession Hi, I desperately need some legal advice and I cannot afford a solicitor. A small debt has turned into a massive charge on my house by a firm of solicitors and they are trying to possess my house for what was a £2k debt but their turned it into £30k in less than a year. Both myself and my wife are mental health patients and have a child too. Scared to death we are. Please share or help directly if you can. We need a good lawyer to help us out of this nightmare... I can provide more details of course but here i
  13. I currently have been served a Notice Seeking Possession by my HA as i have rent arrears, I have a full/assured tenancy and to cut a long story short i did have over 7k worth of priority debt in the form of Council Tax Arrears, Rent Arrears and Overpayment Arrears (which at the time i knew nothing about, which the council verbally admitted but not in writing) anway, i have been served a NSP every year for the last 3 years, but it has never been actioned as i have always paid something each week to clear the arrears. My current NSP expires at the end of February and i am due to clear
  14. Hi Folks! In December 2011, GE took us to court as we fell behind with our secured loan with them. The judge ruled in our favour and suspended the order and we all agreed on a given repayment plan of £156 per month. I stuck at that for 9 months, with every month calling GE and paying the amount over the phone, October 2012 when starting a new contract job in London that involved long commuting and even working some Saturdays. I work in IT btw. I know it is not an excuse but the commute overwhelmed me in every sense, and I started to get ill too. I forgot
  15. Hello all. Pls i need help with an order for possession made against me by landlord. I have been messed about and it seems to me like i have been tricked into not responding to earlier claim for repossession of a flat i rent i have been renting this property for about 3yrs sometime last year i fell into a little arrear of less then a third of the monthly rent. i was immediately served a notice for repossession claim from the court issued by the landlord whom i've never met or spoken to in all my stay. I spoke to the managing agent about the claim and was assured th
  16. i have been sent a letter today from Acenden's Solicitors TLT stating, that as we had as we had broken the terms of our suspended possession order Acenden were again going for repossession again and that an application had been made to the court on the 3rd October 2012. We had sent a letter to acenden back in August stating that our son who has a serious heart condition had been admitted to hospital to have heart surgery performed, and we explained that due to a sudden loss of income from my wife taking time from work we MAY not be able to meet our financial commitments but e
  17. Hi I am on grounds 10, 11 of my tenancy as i have dyspraxia and dyslexia. At times i have had irregular payments due to temporary jobs. I had a payment plan which is meant to be monthly but due to hardship i payed weekly including the arrears, but i asked if this was acceptable if not i would consider changing. they automatically applied for a suspended possession at court on the 21 April this year , are they in breach or wasting the court time or are they correct. I had told the reason I could not make full payments last month due to
  18. In 2010 I suffered some health problems. I'm self employed and as a result I fell behind with my mortgage payments. In October 2011 I had a had a possession order suspended. The judge ruled that the outstanding arrears should be spread over the remaining term of my mortgage. My payments and the extra arrears payments have been made on time every month since Oct 2011. I'm not one for credit but in January I was looking for a small loan to buy a car, I was declined and it was suggested that I check my Experian credit file. My credit file shows 4 late payments. I spoke with NRAM and made
  19. I'm really confused, my land lord decided to have his property back and served me the section 21 but I could find anywhere to go. so I seek advice on my local council and they advised me to stay in the property until the LL get a accelerated possession order from the court and after the bailiffs'. the council adviser told me if I leave before they will see my case as intentional homeless and they will not help me after that . I never missed one rent payment, so no arrears at all. the council adviser told me as well that the land lord has is paper work fine, so
  20. Hi All, My property has been handed to an LPA reciever and I am a bit confused as I keep getting conflicting information from the lender and the reciever. They 'took it' last Wed. I still haven't had a written notice from either receiver or lender. The first I knew, I was contacted by my tenant who said someone had been round. The lender said that I had to pay all arears (£725) and 3 months in advance (£645) and fees (£1200) and ALL the charges ever placed on the mortgage (£3k+). They also kindly gave me 5 days to do so or the fees were going up another £800. They origi
  21. Today my Landlord has taken possession of ground that I rent. All my equipment is still there. I am late with my rent - I pay six months in advance and I am a good few weeks late with my payment, but it was paid into their account yesterday. I have been to see them and they have said they still need to take possession, but will give me a decision on Monday as to if I can stay or not. My lease is a Fixed Term Farm Business Tenancy and it's for three years, I am a year into the lease. Please people, is there anything I can do if they turn round and say I cannot
  22. Hi Folks, (Sorry this is a bit long!) I have trawled through several of the Forum posts relating to Possession Orders on here and on other sites but our case seems to be different (The story of my life!) Our INTEREST ONLY Mortgage with GE Money expired in Jan 2012 with a balance outstanding of approx £62k which we were unable to pay. We have since made interest payments of over £15.5k at a rate of 8.44% which hasn't changed since 2009 although we are meant to be on a variable rate. There are no arrears and we have OVERPAID approx. £740-00 to date. We made a written offer to
  23. Hi I need some help. I am currently a secure council tenant with £950 arrears. My rent is currently £49 per week. I have a court date of Monday 17th November for missed payments on a suspended possession order from late last year. I need to know what amounts the arrears need to be at not to be evicted and get another suspended possession order. My arrears if I kept to payments would have been £227 by 17th November.
  24. My mother is in arrears with Mortgages 1 Ltd and has fallen behind with the repayment proposal due to my father being off work ill. (Broken ankle and complications). HL Interactive have written saying "YOU ARE AT RISK OF EVICTION. We have now been instructed to enforce the Order for Possession. This means that an eviction date will be scheduled and you may have to vacate the property. ACT NOW BEFORE ITS TOO LATE Please contact us on ********* as soon as possible. We will try to work with you to find a solution to your mortgage arrears and avoid the possibility of you losing you
  25. Hi, I hope everyones fine, Ge money are taking possession proceedings against me even though the amount of unfair charges are well in excess of current arrears. I am having some dispute over my charges with Ge money, I have opened a claim against Ge money and going to Wandsworth county court on the possession proceeding on the12th of September to address my concerns about the charges, and GE money's unfair treatment of consumers. I know most of the people here are having the same problem with Ge money's outrageous charges and behav
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