Morgage arrears

[maggiemay48]

I am going court tommorrow for my what was my morgage arrears,Which was £2.400.In which i paid.Then I owe a personal loan of £400.Whcih i owe.Because i got behind.But i cant beleive i still have to go to court I paid the morgage i owed. But they say i still have to go Because of this £400. I still owe.I thought they have let me pay the loan as usuall then something on top.I am hoping for the phone call to say i dont have to go.She did say can you get the £400.I said i borrowed the £2400.I cant borrow any more.I am frightened incase the still reposses my home for £400.Can they do this?

[Ell-enn]

Are the mortgage and the loan linked? who is the lender ?

[maggiemay48]

Yes yorkshire bank.

[Ell-enn]

In what way are they linked ? is the loan secured on the property ?

[maggiemay48]

I think it will be

[maggiemay48]

We took the home inprovements loan out to get new windows and doors

[Ell-enn]

so is the £400 arrears on the loan, or the total outstanding ?

[maggiemay48]

Arrears on the loan.

[Ell-enn]

I take it this is the same case as your other thread here? http://www.consumeractiongroup.co.uk/forum/showthread.php?311737-morgage-arrears-i-have-to-go-to-court-help!!

 

You say you paid off the arrears in one go - how did you do that ?

 

Have you sent a defence in to court ?

[maggiemay48]

Borrowed it from my mum.

[maggiemay48]

No i have not sent it off,I had a oppiontment at shelter last week they were soppose to sort all the letters and out but

[maggiemay48]

I was ten mins late so they would not see me,So it left me in a right mess.

[Ell-enn]

You're going to have to take a statement to court with you tomorrow. Can you answer the following questions and I can try and draft something for you to take:

 

Do you have proof of the £2,400 payment you made to clear the arrears?

Can you afford the monthly payments on the mortgage from now on ?

Can you afford the loan repayments + a little towards the arrears ?

[maggiemay48]

Hi yes i can afford the payments.Its just the last `14mths have been hell for me.Lost 4 of my family including my dad.Sister.Couldnt handle it so i turned to the bottle.Which i am proud to say i am tee total now I am getting myself sorted out.Because you wont solve your problems at the bottom of a bottle.I will take a ll my paper work thanks.I am just frightend Incase he takes my home off me.

[Ell-enn]

Maggie, make sure you get to the court early tomorrow and ask if there are any free legal advisors on duty - they can come in to the hearing with you and support your case.

[maggiemay48]

thank you very much.x

[maggiemay48]

Went to court.I have to pay a extra £10.It was nothing like i expected,The judge was a very nice.I can now sleep at nite knowing its a all sorted it, For other people going to court? Its not as bad as you think.

[Ell-enn]

Hi Maggie, glad you got it all sorted and well done for being so brave - I know you were dreading it. Were there any free legal advisors there to help you ?

 

What are you paying the extra £10 for - is for the £400 arrears on the loan ?

[maggiemay48]

Hi yes the £10.off the £400.And there was no one there to advise me.The young lady from the yorkshire bank was fantastic.She asked me how much i would offer them to clear the arreas.She was brilliant.We where in the court for 5 mins.There were other people there too in the same position as me.