Your House Being Repossessed? - It's Never Too Late

[letsdothis]

I would just like to say a huge thank you to all at CAG especially Ell-enn who has worked a total miracle.

 

Without having any previous notice, at approx 4pm yesterday, I found out that my family were being evicted today at 11am - All stages of the repossession order were hidden from me by my OH thinking that she was actually protecting me from stress etc

 

Without going into too much detail, I owed a lot of arrears (over a few years), and yesterday afternoon trying to find anyone or speak to anyone ie Solicitors etc was a complete impossibility.

 

Having being a member on here for years, and reading that Ell-enn has a pretty good track record, I approached her for help.

 

What can I say?

 

She managed to draft me a statement, a guide on how to fill out the N244 form, as well as sending me a spreadsheet to work out income and expenditure. We didn't stop communicating until approx 11pm last night.

 

I went to bed about Midnight, and then got back up again, went to bed again, and eventually repeated this all through the night. This morning I sent a few emails and again more help and answers were available from Ell-enn.

 

I went to court this morning at about 9.30am (Eviction was 11am) to pay my £35 and hand in my statement and forms etc etc and to sit and wait for a hearing.

 

The outcome of the case was that the District Judge (who did ask who had done my statement, as it was very good) found in our favour.

 

We now get to keep our house. We also, now only have to pay about half of what we had actually offered to pay, in addition to our normal monthly payment to clear the arrears.

 

I would also like to say a huge thank you to MARTIN3030 who actually attended court today, to give us some moral support as well, this was greatly appreciated and more than anyone could ever ask for.

 

So, no matter how far things have gone, never bury your head in the sand or giveup and most of all, ask for help from the knowledgeable people on here.

 

CAG have now proven to me, that they are truly about helping people and for that, they should all be tremendously proud of themselves!

 

People on here are so kind, so generous and so helpful. I especially, owe them both so much for what they have done, and helping us keep our home today. Thank you so very much, from all our family.

Edited June 9, 2010 by letsdothis

[pubman1]

Well done - great news:D

[lisaf]

Great news letsdothis! x

[letsdothis]

Thanks guys, you cannot believe how much stress has now been lifted. I think it is time to get absolutely hammered on the old alcohol.

[maroondevo52]

Great to hear your result, letsdothis

 

Ell-enn's a gem

 

Martins no bad either

Edited May 27, 2010 by maroondevo52

[littlemonstersmum]

AMAZING!! There are some GREAT people on here who have offered me some fantastic constructive advice and today i too managed to sort out our mortgage arrears in such a way that we can keep our house (provided we stick to the terms we agreed).

 

Ell-enn continues to amaze me with the help and support she offers people and Martin3030 sounds like a hero for coming with you to court today.

 

Now go out and enjoy a few beers to celebrate!

[Ell-enn]

Thanks for posting your experience Lestsdothis I'm sure it will help others who might think it's too late to take action against eviction/repossession.

[Ell-enn]

Hi Letsdothis - you did you manage to get a statement from the lender so you could see the true situation on the account re the payments which were unallocated ?

[letsdothis]

Hi Ell-enn

 

The Judge gave me a statement on the day. I have accepted that I fully owe the value their solicitor said I did, I am going to disregard all previous payments made, until I get statements to show etc from the bank.

 

On a positive side, they have had their monthly payment this month. :grin:

 

I did add all the charges up from the Judge's statement and so far, it adds up to:

 

£2420 excluding any interest. These are made up of returned fees @ £30 and arrears fees (monthly) of £50 - The interest on the spreadsheet shows £386.01 @ 8%

[Ell-enn]

Crikey - you need to get a letter off claiming the charges back. If you get the usual "bog off" letter from them you then need to escalate your complaint to the FOS.

 

Send your letter by recorded delivery (or they could say they never got it) and keep a copy of the letter for yourself together with the proof of delivery which you can print off from the royalmail website a few days after posting.

[letsdothis]

Hi Ell-enn

 

I am a little apprehensive over claiming them back, I didn't want to rock the boat so to speak.

[regan11]

What a great story. Well done to all.

[MARTIN3030]

Hi Ell-enn

 

I am a little apprehensive over claiming them back, I didn't want to rock the boat so to speak.

 

Its YOUR money-and THEY didnt show any restraint in rocking the boat !!

 

As you know-there are very good examples on the site of people claiming charges back whilst having far greater arrears than you !

 

Better in YOUR pocket than theirs.

 

Theres not much they could do in terms of retaliatory moves since there is already guidance in place for that from the FSA.

 

Even agreeing to have them offset against your arrears would be better than letting them keep it-and in that scenario would prob not even need to see either side going near the Court.

 

Food for thought.

[Rachie1973]

Its lovely for me when I see people get to keep their home. I kinda wish I'd been so lucky, but it worked out right for me in the end, and Ell-enn was just amazing for me

 

We really do appreciate you guys xx

[kippax1]

Sorry to be a doom and gloom merchant, but sumtimes it is to late. my eviction will take place at 10.50am on monday, and i will have to leave with all my possesions still locked in the house, no time to get them out and nowhere to put them, even if i did. having been told by my local council housing, i am not a priority or at risk so they arnt prepared to help. its gone 4pm so the courts are closed for the weekend, even if they wasnt, i cant afford to pay to submit a n244 and so, in my case it is too late.

 

im only posting this as a warning that, even tho there is a lot of success stories, there is also ones that dont end well, so if you are in the same situation, dont just read the 11th hour reprieve stories and think it will all end ok...trust me, it wont.

[Ell-enn]

Kippax - I've posted on your thread.

[letsdothis]

@ Kippax

 

I hope all goes well for you.

[letsdothis]

Well the OC has sent us a letter today, stating that our mortgage payment has now gone up with effect from 1st June, by £105.00

 

I think the time has come to get those charges refunded. Any ideas on what letter to use anyone?

[Ell-enn]

I've got a letter somewhere, I'll find it and post it up.....

[letsdothis]

Thank you again.

[Ell-enn]

I think it's on my work PC - I'll post it up tomorrow

[letsdothis]

No worries.

[dipobrazil]

Yes I agree ....the guys on this site are an emmense help and God sent.

It is almost unbeliveable....thanks Ell-enn and Martin 3030 on your help in my own issues in the past...i feel as if i have big brothers and big sisters I can run to when the bad bad wolf comes knocking on the door....

Edited June 17, 2010 by dipobrazil

[Ell-enn]

Apologies Letsdothis - I completely forgot about the letter. I've been really busy at work this week and it slipped my mind to look for it. Can you give me a nudge tomorrow morning and I'll get it posted up for you.

[letsdothis]

No problems, whenever you are ready is fine. The longer I leave it the more interest