Evicted yesterday

[gerro]

hi i am just hopeing some one can give me some advice.I have been evicted from my house yesterday by d b mortgages now Mortgage Title Resulotions Ltd i have been introuble with the mortgage for the last 18 month since i had a bad car crash and not be able to make any payments,I got an eviction order in april and on apealed saying i would pay the £6700 i was behind in my mortgage with my compansation from my car crash,But do to on going legal problems i still have not been paid out and only just started back at work,I got an eviction notice for the 12 august and i kept waiting to be paid out but it did not come despite promises,so on the 11th i went to the court and filled in the form and i got to see the judge yesterday at 10am i explained my position and that i was willing to sell the house to a company who would rent it back to me and then the option to buy back,and would be completed before the 5th sept,The judge dissmised this and said "this has gone on long enough" and ordered the eviction to go ahead at 12:15pm i asked for 24hr but he was quite rude and said apeal.So i went to my perants to ask could i stay there on explianing what had happend my dad said ring the mortgage company up to see if anthing could be done.Were a woman/cow said they wanted full arears plus legal costs and septembers morgage paymet £11232 to stop the eviction in 2 hr,my dad said he would lend me the money on ringing them back they said they dont take debit card or credit cards and would only take a bank transfer which i could not do in time,So the balif came changed my lock,Is there any way of getting my house back or am i to late many thanks .gerro

Edited August 13, 2008 by gerro
mistake

[caro]

Hi gerro. I'm so sorry to hear about this. As if you hadn't been through enough with the car crash, and now this. It must be a nightmare for you.

 

Have you been paying anything on your mortgage in the last few months? Now you're working again could you afford the payments - and something off the arrears? I'm clutching at straws here, because I really think the chances of getting your house back are, at best, remote. Being realistic, now you'll be working again would you realistically be able to afford the house, or might you be better to put it all behind you and make a fresh start.

 

Do you have any children, and did you have payment protection insurance (even if it didn't pay out).

[gerro]

hi caro thanks for your reply i have not made any payment yet has i only get paid monthly and my first payday is on the 21 august .I have a son of 14 who stays with me at the weekends, i can pay off all the arrears of at one go with help from my dad,and now i am working i take home £2100 a month were the paymets are £680 and i have no other real debts.I had no payment protection insurance,If i do not get my house back how long will it be before i could look at getting a mortgage again?

Edited August 13, 2008 by gerro

[Ell-enn]

Hi there, you need to go and see a solicitor straight away,this morning!!. If your dad can lend you the money then there are some circumstances where you can get the house back after repossession, but you will need a solicitor to get things moving quickly.

[caro]

Let us know how things go gerro. It seems that speed is of the essence. Fingers (and everything else) crossed for you.

[gerro]

thank you caro went to see a solicitor today made an apiontment for the morning i keep you in touch thanks again i ve even got the dog to cross his legs:wink:

[sillygirl1]

Good luck, please let us know what happens... sounds as if you might have a case against the mortgage company for being unreasonable after a solid offer of clearing ALL the arrears was made.

 

Once the arrears are paid you need to get a FULL statement from the mortgage company and put in a claim for every charge that you can possibly reclaim (£25 non payment by dd comes to mind, plus £50 monthly arrears fees etc), Ask the solicitor about these as they may be able to help you with a letter.

[gerro]

hi just a quick update went to see a solicitor today(it very hard to find one that will deal with this) he advised me to offer them the full amount and they should accept which i did, but they refused to accept it infact the amount has gone up by nearly £300,so i got back in touch with my solicitor by phone he has made appiontment for moday at 9:30am were he will lodge an apeal to the court,so it looks like anthor sleepless weekend

[gerro]

hi just an update went to court to lodge an apeal were i was told it is not possible to apeal once the eviction has taken place the clark of court even went to see the judge for me who said the same uless they have acted illeagly which they have not,and to ring the mortgage company up and offer them the payment in full which i did and they piont blank refused to accept it so it looks like i am cream crakered,I will ring them every day till the 2 weeks is up but its not looking good:-(,Just found a little bit more "It may also be possible if you can raise the money to pay off your mortgage debt soon after the eviction. You would have to apply for an injunction to stop the sale of your home while the arrangements are made. If contracts have already been exchanged with a buyer, you can't stop the sale from going ahead" so i will be tying this today

Edited August 19, 2008 by gerro

[gerro]

well finaly gave up today cant find a solicitor with out paying £500 up front and traveling to manchester that will take the case on and they can only give me a 50/50 chance of getting the house back so its time to cut my losses,so thanks for all your help and support,I am off too las vegas on sunday for a week with the money ive saved from paying the mortgage and may be i will win lol:wink:

[Ell-enn]

Stick a dollar in a slot machine for me Gerro - best of luck for the future

 

Ell-enn

[caro]

Sorry we couldn't help, but at least you can put the stress and sleepless nights behind you now.

 

Have a great time and thanks for letting us know.

Edited August 20, 2008 by caro

[Bona]

Keep all the paprwork so you can get them when and if they chase you for the shortfall they wont get away with it

Take care

Bona

[gerro]

hi all back from sunny las vegas not that i saw a lot of sun,What a place to get over your repossion did not win the jackpot,Just before i went i had to clear all my stuff out of the house this was worse than being repossed,I hired a van and got 4 mate s to help me move.Got to the house to be met by a small horrible man at the door who would not let me in with out photo ID so i had to go and get my passport,Then when my mates came he would not let more than 2 of us in at a time when i did get in the house i found some thing had gone missing including my indenture of apprentice ship! A signed photo of steven gerrrard with the european cup wich was framed and on my wall,Then he would not let my take my cooker said it was fixtures and fitting it was a stand alone type.Then he kept follwing me around saying dont take that it not worth the hasle to varouis things,Then the final straw was to find him in the attic looking through my stuff to wich piont my mate pinned him up against the wall told him to sit in the chair and say nothing(my mate is 6"4 and 22stone) after that he was very quiet.Then the estate agent brought people round viewing the house while i was still moving stuff out.Any way its all over now and time to get on with the rest of my life

[FunkyFox]

Gerro, reading your thread I am so sorry that you have been treated in this way. I can't say or do anything to change your circumstances but I hope with enough presure from the likes of CAG maybe fewer people in the future will have to go throught what you have.

 

All the best for the future. FF

[callumsgran]

>>>>

So they didnt take anything valuable then? lol

Seriously mate i'm so sorry that this has happened to you, and glad you enjoyed your trip

I did a similar thing years ago when i was forced to sell my house

I went to Florida

[gerro]

thank for all your kind word it nice to here them,But at the end of the day its only brick and mortor,As long as i ve got my health and famly there will be other houses yet again many thanks to you all

[caro]

Good attitude Gerro. Glad you had a good time in Vegas.

[sillygirl1]

I had a horrible spotty kid who sat in a van outside the house when I was evicted, he then came round and took pictures of everything, despite the fact that we had another visit the following day.... that day an Italian girl turned up and sat on a workmate bench as there were no chairs and did some translating whilst she waited. I was tempted to get as much info on her as possible and report her to the taxman when I thought twice and decided that reporting the behaviour of the agent was better. Nothing came of it though.

 

This is another form of intimidation they try when you are really down - it's odious and should be stopped. It is YOUR personal property you are removing, not FIXTURES AND FITTINGS as they sometimes state.

 

Happily though a lot of estate agents are now closing due to the 'credit crunch' and no mortgages being available - one can't feel sorry for the leaches, can one?