pending repossession

[jubaxt]

hi -you kindly guided me a while ago when i needed help completing a n244 for mortgage arrears with our second lender, blemain.we have paid off all the arrears with the company now but with the credit crunch and one thing or another have received one from our main lender, norwich and peterborough.we had a possession order to pay approx £640 per month but with rising fuel costs(we travel 120 miles per day between us just to work and back)we missed a payment last november.we have paid sept-£600 oct-£1200,nov-£0, dec-£600, jan-£500, feb£800,march£800.april-£600 and may £600.we are behind one payment of £584(just had monthly payment review)of the court order.our eviction date is may 20th but we get paid on 22nd-(sods law)when i was hoping to pay next months £584 +£220.i have a n244 to complete but dont know where to start-please would you mind helping again?

thanks in advance-ju

[citizenB]

I will try and find someone who can advise.

[ukaviator]

Hi Jubaxt

 

I am not at home for 2 days so all of my templates are not with me. I have found this for you to use. Just amend the wording and carry onto page 2:

 

Application Notice N244 Example Form: North East Derbyshire Citizens Advice Bureau

 

and

 

Application Notice N244 Example Form: North East Derbyshire Citizens Advice Bureau

[Ell-enn]

Hi Ju, I remember your case from last year. I will come back to you as soon as I can - do you have the N244 downloaded?

 

Ell-enn

[Ell-enn]

Hi - How much are you offering to pay towards the arrears each month in addition to your normal monthly payment?

 

You will need to affix a budget sheet to the N244 to show the judge how you are able to afford the payments. I have affixed one to this post for you. Remember when you fill it in that the amount you are offering towards the arrears, in addition to the normal monthly payment, is the amount left over after everything else has been paid.

 

Do you have any children at home?

 

Ell

Budget Sheet.xls

[jubaxt]

thankyou ellen.

our monthly mortgage payment should be £504 ( £584 as stipulated by the court order.)we paid £800 on feb 12th, £800 on march 30th and £600 on april 24th.we have been paying excess on all our bills such as council tax for over a year.we have 2 adult sons and no younger children.our sons live at home and have both just finished degrees(one reason for financial problems)but both now graduated.we have a second mortgage which also had arrears but have finally just paid off those.we have also finished paying 200+ extra a month for our council tax which is also now up to date.

[Ell-enn]

Hi there, just to confirm - how much exactly were you supposed to pay each month on the court order i.e. how much was the monthly payment and how much towards the arrears.

 

What amount are you now offering to pay? is it the same as the order ?

 

Is the mortgage in joint names?

 

Nearly finished the statement, just need you to clarify the above.

 

Ell

[jubaxt]

£80 per month on top of monthly payment-ie £504+£80=£584.this is how much we wish to continue with.we have paid at least this amount for the last 3 months

[Ell-enn]

Hi, just one more thing - have you got proof of all the payments you have made since December 08?

[jubaxt]

not at hand but could hopefully get them.i checked the dates and amounts with npbs yesterday and they tally.

[Ell-enn]

Hi, I've finished the statement (affixed). It's best if you can get proof of the payments to send in with the N244. You will need to fill in the info at the top of the statement where I have put XXX's (and obviously remove the brackets and xxx's.) - you will get that info from the eviction notice. When you print out the statement make sure your printer is set for A4 paper (not Letter size).

 

On the proof of payment documents - you need to write the claim number on the top left hand corner of each document and Appendix 1 on the top right.

 

Also write the claim number on the Budget sheet and Appendix 2.

 

These are the instructions for completing the rest of the form:

 

1. Your names

2. Tick Defendant

3. Suspension of eviction.

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except We Believe

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

 

Any questions, just shout.

 

What is the eviction date on the notice?

 

Ell

Jubaxt N244 Statement.doc

[jubaxt]

hi ell-its 20th may-and thanks for the info.will crack on with it this a.m