northern rock reprossession order **SUSPENDED**

[newstarter]

I wouldnt do an I+E yet for N.R only a court can ask for that and when you get a court date we can help you with that,dont send any income details to N.R whatever you do they will be on the phone saying you can afford this that andthe other when you can,t ,you can do an i+e for you own reference though which i think is a good idea.

[newstarter]

oops sorry thought you were doing your own for n.r please disregard the above

[elzerbeth]

no worries i should have explained better sorry

breakdown now completed for myself and court

[Ell-enn]

OK, when you hear about the eviction date we'll do the N244.

[elzerbeth]

recieved 3 letters today from optima legal today one for me one for my husband and one addressed to the occupier? they state order was made 5th jan 2011 n rock state it was made the 4th jan 2011 recieved letter the 5th from n rock telling us they had applied for order fastest they have ever got a letter out to us

[Ell-enn]

OK, I'll start to draft a statement to go with the N244 so it's all ready for when you receive the eviction notice. I'll also give you instructions for completing the form.

[newstarter]

OK they have applied for the eviction order,this of course will or should be hand delivered probobly next week or at the latest the week after next.One way to keep a step ahead is to ring the court bailiffs office and ask if they have recieved the warrant,you really want to do this once a day from next week as sometimes they drop through your letterbox with only two or three days till the actual date .Give them a ring round about 3.30pm in the afternoons as it can be lying on their desk for two or three days before its delivered.

[Ell-enn]

Have you got any proof you are both working again? wages slips? contract/offer letter from employers? Do you also have a letter from them stating they would change to interest only mortgage?

[elzerbeth]

sorry i have had internet connection probs

newstarter; when we have recieved evition notices before they have been posted to us never had them hand delivered

 

ell-enn

yes my husband has wage slips i have 1 wage slip at min should get next on friday and yes have intrest only letters several in fact all with diffrent dates and amounts on

[elzerbeth]

how do i find the telephone number for the court bailiffs? sorry i prob sound really stupied but the last evictions we had were canceled by n rock so never dealt with the court bailiffs

[newstarter]

Ring your local county court and they will put you through to the bailiffs office,as regards wether the notice is posted or hand delivered it does not really matter,but make sure your on the ball checking with the court bailiffs,just google up your local county court and you will find the main number,ring that then just ask them to put you through.

[Ell-enn]

The eviction notice will most likely come in the post and give anything between 10 and 21 days (usually 14). As soon as you get it you can take the N244 form to the court and they will give you a hearing which will be within a few days of you handing in the form. Have you made any payments recently or are you able to make a payment soon?

 

It would also be helpful if you had a bank statement or any other proof of all the payments you have made since the suspended possession so you can show the court you have been trying to maintain payments even though your husband was out of work.

[newstarter]

Unfortunatley that isn,t always the case,my notice was in the bailiffs office for three days ,then it was hand delivered with 7 days notice,luckily i had all my paperwork completedalso when i applied to have the order lifted,i was speaking to a couple in court who had just 3 days notice,so be careful,of course these could be instances which are not the norm but it shows it can happen.

[elzerbeth]

ell-enn i was out of work and my hubby was on short time i have some bank statements showing payments from when eviction was stopped last time i have had a route round and have found 2 letters from n rock or nram as they are now for the intrest only transfer first dated 13 oct 2009 and second 19th nov 2010 both have been returned to them but we were never transfered over unfortunatly i do not have proof i returned them though.

[Ell-enn]

That's fine - can you take photocopies of all of those please and we'll use them to support your statement. I doesn't matter that you can't prove you returned the interest only letters, the fact that you have the letters from them offering to change over will do - we'll simply state that you sent off acceptance.

 

You say the arrears are £21,000 ? that represents a lot of missed payments, there must be charges contained in that figure. Do you have any statements from NR at all that might show how much they have been charging each month for you being in arrears?

[elzerbeth]

the last eviction we got stopped was applied for on the 22nd june 2010 our eviction date was the 20th july 2010 this was only stopped by us borrowing money from family to live on and paying n rock £1078.60 that mnth with a break down of income hubby wage slips bank statements ect there was no agreement made was told to pay what we could and they would send an intrest only form to us which we recieved on the 19th november 2010 we carried on paying what we could while we have been awaiting outcome aqnd recieved the new eviction order on the 5th jan 2011 when i rang to ask why was told we hadnt meet contractual payments and that the 21000 needed paying to cancel eviction or a lump sum towards

[Ell-enn]

Have you any idea exactly how many payments you have missed? - the arrears figure is very high to be just missed payments

[elzerbeth]

ell-enn i have managed to find a few they are chargig 25 mnth arrears adninistration charge i have 156.10 for legal charge and 25.00 for payment option fee althogh i dont know what that is for from may to aug 2010 totaly 281.10

[elzerbeth]

they say its 36 mnths but i dont know if thats correct also on 1st dec 2010 arrears were 18057.36 but letter i have for 12th nov 2010 states 20370.60 and the letter i have for 4th jan informing of this possession order states 18259.06 but when i rang was told it was 21000 so i am really confussed on the arrears front

[Ell-enn]

They've probably added in the next payment due - what date are your monthly payments supposed to be made ?

[elzerbeth]

24th of the mnth date my hubby gets paid

[Ell-enn]

Is that the date in your mortgage contract or is that the date you have arranged with them?

[elzerbeth]

we used to pay weekly because my hubby got paid that way when we took mortgage but when he transfered to mnthly pay we requested the 24th as our payment date as it was when he got paid and its been that way for 5 years

[elzerbeth]

cant fing agreed date on contract just the amount it was back then

[Ell-enn]

OK, just wondered if they might have added the payment due on 24th of this month.

 

How much is your monthly payment now and how much could you offer towards the arrears?

How much would the monthly payment be if it changed to interest only ?