Help me!!! Warrant for eviction 7/7 - N244 hearing Friday

[Ell-enn]

Hi, what did you put in Q.10 of the N244? Did you put a budget sheet with the form?

 

I think you need to take a statement to court with you - I can help you with that, just let me know.

 

 

Ell

[Ell-enn]

Hi, Blackhorse will have been putting arrears charges on your account for every month you are in arrears. No doubt they will have added them onto the arrears so the amount they claim is arrears is probably wrong. Try to work out how many months in arrears you are and if it's a lot less than they are claiming then we need to tell the court.

 

Was the PPI mis-sold? i.e. were you told you had to have it to get the loan or are you or your husband self employed?

[Ell-enn]

OK, you'll need to tackle the PPI issue after the hearing, you won't get anywhere with that beforehand.

 

I'll start to draft a statement for you to take to court, but won't be able to post it on here till tomorrow (I have to be up early for a meeting in the morning) - are you able to get online during the day?

 

I've affixed the budget sheet we use - when filling it in remember that the amount you are offering to pay each month towards the arrears is the amount left over after everything else has been accounted for.

 

What was the reason for the arrears?

How many children do you have and what age are they?

 

You say family have offered to help with payment, can you get their contribution before the hearing? i.e. could you pay tomorrow or Friday before the hearing?

 

Ell

Budget Sheet.xls

[Ell-enn]

No need to send the budget sheet, you will need to print it off to go with the statement - are you able to print at home or work?

 

If you make a large payment when you get paid how will that impact on ay other commitments you have?

 

I'll be back on line in the morning to post the statement on here. I may need a few more details so can you keep having a look at the thread please.

 

Ell

[Ell-enn]

That's great, be back tomorrow

[Ell-enn]

Hi there, affixed is the statement to take to court with you. You will need to enter information where I have put XXX's at the top and also in the first paragraph (your husband's name). When you print it out make sure that your printer is set for A4 paper (not Letter size) so it all stays on the one page.

 

On the budget sheet write the claim number on the top left hand corner and Appendix 1 on the top right hand corner before affixing to the statment.

 

You will then need 3 sets - one for the judge, one for the other side's representative and one for yourself to refer to in court.

 

Get to the court early and ask the usher if they can put the statement in your file for the judge to read. Sometimes they will say it's too late and you can give it to him in the hearing. Also, there may be free legal advisors at court - if there are, approach them and ask them to accompany you into the hearing - they can be invaluable!

 

As it's your application the judge will speak to you first - you should then say "Sir/Madam may I give you an up to date statement" and just hand it over.

 

Any questions, just shout

 

Ellx

KandJMum N244 Statement.doc

[Ell-enn]

I think you'll be fine:) The fact that we have told the court your mortgage lender has assisted you by changing your account to interest only will help a lot. What have Blackhorse done to assist you?? nothing!!

 

Give the court a ring this morning and ask if they have legal advisors there tomorrow.

 

What time is the hearing?

 

I will be able to pick up any questions you have all day today (apart from a few meetings I have) and this evening - don't hesitate to shout out if you need to know anything or just need a bit of support.

 

By the way you are not stupid - you're just like so many other hundreds of people who get into financial difficulty for a variety of reasons and we are not here to judge you - just to help. Read through some of the other repossession threads from the last six months to a year and you will see how many have been in your situation and kept their homes

 

Ellx

[Ell-enn]

No, the lender should bring them to court - you are disputing them anyway because of the charges.

[Ell-enn]

Have a look at this link Mortgage Rescue scheme : Directgov - Home and community

 

At the end of the paragraph in the statement regarding the arrears figure add a sentence "We calculate the arrears to be £3,217.70".

 

Lenders have a habit of including the next payment in the arrears figure whether it is due or not - trying to make the situation look worse than it is. Fortunately judges usually see through that once it is pointed out to them.

 

Ell

[Ell-enn]

Do you know how much their monthly arrears charges are?

[Ell-enn]

217 is the total charges, but what do they charge each month? are there charges listed on any statement you have?

[Ell-enn]

OK, don't put the arrears figure in, just leave it to say that it should be lower.

[Ell-enn]

Stay positive, you'll be OK

[Ell-enn]

You're very welcome - looking forward to hearing your good news tomorrow

[Ell-enn]

That's wonderful ! I'm so pleased for you, well done for being so brave:)

 

Relax tonight and enjoy your home and family

 

(told you you'd be ok!)

 

Ellx