northern rock reprossession order **SUSPENDED**

[elzerbeth]

mnthly payment are 599.60 we could pay £100 to arrears on top of this part capitial part intrest is 420.20 and would have 75.00 charge added to mortgage for change of repayment fee which would be a temp amendment from 1 to 12 mnths

[elzerbeth]

i have found another intrest only letter fron n rock today and have photocopied along with the other 2 also found some more statements i have total charges off £843.20 from april 2010 till january 2011 although they will no doubt add another legal charge to that of £156.10 for this month on my statements it has mortgage payment due date as the 1st of the month although we have always paid on the 24th of the month and were told by n rock that as long as it was recieved before the end of the month it was ok the charges are added on the 1st of each mnth aswell

[elzerbeth]

not feeling at all really positive about all this im really down today

should i start looking for some place else to live should i start packing?

[newstarter]

calm down !!!! you will be fine your going into court with all your paperwork in order,a payment plan to pay off the arrears so stop worrying and be positive.

[elzerbeth]

just really down about it all today feels like im fighting a loosing battle and am worried that judge will see the fact that aragements we have made to pay have been broken time and again

[newstarter]

dont worry about that Liz this time you have everything in order and workedout what you can afford,its not just been a snap reaction to pressure from the lender,you will be fine:-)

[elzerbeth]

hope so

[elzerbeth]

postal order and sar posted today guys

[newstarter]

Good:smile:

[elzerbeth]

had to speak to n rock about who postal order shud be made out too they didnt know themselfs had to wait 10mins while they found out then was basically told that it wouldnt get here before eviction date and the only way i would stop eviction was to pay lump sum or all arrears off and although i have been making payments since last eviction was stopped they havent been for full contractual payment there fore not agreed by them selfs so reprossesion order been applied for again they are limited to what they can do at this stage and although they admitt i have been ringing them at least twice a mnth since last eviction stopped i have never had an agreement in place for payments other than contractual which they knew we couldnt afford from breakdown we sent back in june

[elzerbeth]

had to speak to n rock today to find out who to send postal order to for sar they didnt know had to wait 10 mins for them to find out then was basically told that it wouldnt be here for evition date any how and the only way id stop eviction was to pay off arrears or pay a considerable lump sum towards it was told that although i have been making regular payment since last eviction was stopped it wasnt for my contractual payment there fore they had applied for eviction as these payments were not an agreement by them selfs even though they addmitted that i had been ringing them at least twice a month since last eviction stopped to keep them updated i told them they had recieved an income and expenditure in june when eviction was stoped so they knew what we had left to pay them by that which is what i have been paying was told there was nothing they can do as they are limmited on a second eviction and they are priority ect ect they also told me they are adding charges to arrears each month which they are apparently allowed to do which is pushing the arrears total up and up they also said they didnt know why the intrest onlys hadnt been accepted although they can see from notes ive had regular contact with the to try and sort .

they basically couldnt give a toss

[elzerbeth]

rang stafford court today to check wether eviction date had come through was told they dont have a baliff anymore so had to ring burton instead there bailiff office is only open 8.30 till 10.00am so gotta ring tomorrow have been told by court that i do not have to wait for eviction date before appling for n224 so any help by you guys would be great please

[newstarter]

I dont know if Ell-enn would agree with this but i always think it best to wait for the notice to arrive because you have all the paperwork and it prevents confusion and communication issues between lender,their reps,you and the courts,believe me,one peice of paperwork missing and the complications can be horrendous

[Ell-enn]

Yes, it's best to wait for the eviction notice - if you apply before you receive it the fee is £75 but if you wait till it comes the fee drops to £35.

[elzerbeth]

ok will do thanks

[elzerbeth]

UPDATE hi rang bailiffs office today eviction date set for tuesday 8th feb at 11.00am im off line till later today but would appriciate any help you can give on the n244 please

[Ell-enn]

No problem, will catch up with you later and we can work on it over the weekend if that's ok?

[elzerbeth]

yes thats great thankyou

so glad there are people like you and newstarter who will help dont know what i would have done without your support

will be back on about 7ish tonight and whenever you are free over the weekend

thanks again

[newstarter]

8th of Feb plenty of time yet.

[elzerbeth]

i have 24 pages of documents from northern rock altogether to back up my case all sorted today and copied ready to go

[elzerbeth]

this may seem like a silly question my mortgage payment is due on the 24th of this mnth with eviction date on the 8th do i pay my mortgage payment plus 100 towards arrears or wait for court date? my only consern in paying is what happens if court case doesnt go in my favour i would need that cash to find some where else for my family to live, but then i think if i pay it it will show judge that we can make the payments we are proposing in income and expenditure for court

[newstarter]

Yes pay it whatever you do,if you withold payment it will look bad for you in court,dont give their side anymore ammunition than they already have,anyway if you dont the judge will want to know why and it would show a lack of confidence in both paying your mortgage and the arrears.Just pay your contractual monthly payment and the 100 off the arrears on the 24th.

[newstarter]

P.S dont panic we have 3 weeks,i see ELL-enn is preparing your paperwork this weekend,take this time to check and double check all your paperwork,there,s nothing worse than going to a court hearing and you find you have missed something,lets take our time and make sure everything is right.

[elzerbeth]

thats what i originally thought it was just the what if we lose how will we afford some place else if i pay that amount out. i have confident and unconfident parts of the day mornings are usualy the worst time for me once the day gets going and i go through paper work we have i feel more confident about it all

[newstarter]

Yes your mind will run through senarios which just wont happen,of course its a worry but i would bet my bottom dollar you will walk out that court with the order suspended,stay positive:smile: