Help! Final Notice of Ejection- Capstone - Scotland

[jssandy01]

Hi need some urgent help. Had financial difficulties when company went under (in the house building business!) in 2009 almost lost house got to suspended possession stage in scotland process, made an arrangement in November then lost my work contract and was out of work for 2 months. Could not pay mortgage payments. a Final notice of ejection delivered today out of the blue and have 14 days to sort it out. Had arrears of around £1700 that I had agreed to pay at normal payment plus £250. December & January are outstanding and February has just been paid. Spoke to capstone today and they said they would not cancel eviction unless full amount is paid which is now around £2,500. I cannot find all of it but over the next 14 days I will be able to pay the missing instalments plus current month which would leave £1,000 still overdue. There are probably loads of charges in the balance but have not had a statement for a long time. Also I come off the fixed rate this month and the monthly payment has reduced and I received no notification. What is the process in scotland to get the eviction stopped as I could get account up to date in next month or two plus what can I do if anything about the charges which are rediculous? Many thanks

[caro]

You could phone National Debtline for advice and they also have good fact sheets.

 

National Debtline Scotland | Debt Advice

 

 

You may find some useful information or contacts for assistance on the Govan Law Centre site.

 

Mortgage Rights (Scotland) Act 2001

 

 

Also Shelter in Scotland.

 

Shelter Scotland - Repossession