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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Do eviction dates really only take a few weeks?


bobalott
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HI all, newbie here! I have been reading this forum for many months and found it really helpful and inspiring during our dire financial problems. Thankyou all.

 

Anyway I will try and explain my problem briefly. Hubby and I ran a small business and lost everything from it (long story) we eventually couldnt afford our bills etc but have been trying to rebuild the business from scratch. We were given a suspended repossesion order early april, our mortgage is £1330 plus £100 for arrears (of around £5000). At the time we wished to stay here, find the money somehow and get out of our mess some time in the future (probably by selling the house) At present with early redemption fees, estate agents fees, market conditions etc selling the house would leave us with a shortfall on the debt of around £10,000. We are gradually getting all our other creditors to agree to £1 a month payments to ease our burden, but still struggling.

 

We now feel we don't actually want to live here anyway, the stress of finding the mortgage every month is making me ill and my 3 year old daughter is showing signs of distress too :(

 

We have this months money (due on 1st august) but were thinking of not paying and awaiting eviction, we havent really looked for anywhere to rent yet though and I am very concerned we will struggle to rent easily with our credit history, cats and a small child. However £1500 will go a long way towards renting somewhere!

 

If we pay this months mortgage we are less likely to get ourselves back on track with our business in the near future etc but it does give us longer to look for somewhere else.

 

If we don't pay I gather the lender can simply apply to the courts for an eviction date - how long does this typically take?

 

I really don't know what to do

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Dont go down that road it will be more trouble than its worth honestly you will be in even bigger debt they will sell your house for penuts and chase you for the shortfall and if you go down the bankruptcy road it will effect your business pay this months and see what happens in the next whos your mortgage with do the arreas contain any default paymente

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We are thinking of going bankrupt anyway (or more likely one of our more stubborn creditors will beat us to it) Our business has completely closed so we are starting afresh on a smaller scale elsewhere, I also have a part time job. If we fail to get the business up and running again soon my hubby says he will get a job instead.

 

The mortgage is with redstone, we did default on some payments and the £100 a month was what the court suggested, the court did not allow the lender to appeal.

 

I am at my wits end - it just seems like paying it would be a waste of money, I am certain soon we will not be able to pay one month and we will lose the house anyway, its like why wait for the inevitable? SOrry I must sound like a right loser! I just hope I can get some optimism from here :)

 

75% of my mind says pay the mortgage this month.....

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Pay it and see what happens honestly just read the threads of those that loose there houses and the stress if you make it work it wont be a waste of money

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I know im not in your position and its probably easy for me to say this. But please do not lose hope, theres always light at the end of the tunnel. I myself have thought about giving in sometimes but im stubborn and wont. Im sure if you need any help there will always be someone in an either worse or similar position here to help. Im sorry i could not offer you any sound advice

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Thankyou both very much. I have paid this months payment, though I know I am only postponing the inevitable as we cannot continue to find nearly £1500 a month in our current situation (long story). I am following up the advice given by Lizzy in pm, it gives me a small glimmer of hope, but at least now I can look for somewhere to rent etc over the next month instead of rushing before an eviction (if that ever happens!). Thanks again for talking me out of bailing out (for now) :)

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Hi Boballott

 

Really sorry to hear your story. We're in exactly the same boat as you. We had a business that failed an are starting again (though the new busines is now in the name of inlaws). We have missed this months mortgage payment and have considered just letting the inevitable happen rather than fight against it. We are also looking at bankruptcy.

 

We have found a suitable rented house but just don't know whether to stay and fight or walk away and start again and let it get reposessed.

 

i'd be interested to know what Elizabeth1 said to you in her PM as it would appear to have been good advice.

If you could let me know I'd really appreciate it.

 

Many thanks

 

Brent

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