NRAM Repossession - Second Time

[Ell-enn]

OK, which payments did you miss and have you made any payments since then ?

[churchilluk]

I missed octobers and made a part payment in November and a full one in December.

[JWS4X]

Hi, I am a first time user and reading the comments & information has been great . Makes me feel that I am not the only one with problems with NRAM. We have had a suspended order on us since Dec 2009 paying arrears then of £16,000 at £118 per month on top of the mortgage. In October received last salary as and paid the Mortgage in full. November company went into admin so got no salary Nov or Dec. Phoned NRAM told them what had happened and that new owners would be paying salaries. NRAM have applied for eviction order. when I spoke to them they want extra £500 per

month and £4000 instant payment . Dohhh ! if I had £4000 I would not be behind. So now waiting for a date. but want to tell them where to stick the property and rent for half the price.

how can I get an extension on the eviction order to give us time to find a property and move ?

[Ell-enn]

Hi, you can apply to the court on an N244 form to ask for a hearing in front of a judge and explain what happened and make your offer of payments. Have a look at the guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession where you will see examples of how to complete the N244. If you need help with a statement for Q.10 of the form please ask.

 

Also have a look at the repossession successes forum - you will see that you won't lose your home if you can make monthly payments plus an amount towards the arrears. The fact that you have been making payments towards the arrears since 2009 will help your case enormously.

[JWS4X]

Hi , Thanks for the info , do I need to complete the form N244 before I get the date off the court ?

What happens do they notify us before they send in the baliff ?

Thanks

[Ell-enn]

You're best to wait for the notice from the court before putting in the N244 - if NRAM have only just applied for an eviction order then you should write to them (by special delivery) refer them to the telephone conversation you had regarding your salary from new employer and advise them you will be able to continue payments as you have done since 2009. Keep a copy of the letter so you can affix it to the N244, this will help your case. If you need help with the letter please ask and I can let you have a draft.

[JWS4X]

Hi cagger, thanks for this, I will get the letter done and then wait for the order before sending in the N244. We are seriously looking now

at going into rented property as the amount of money that NRAM want means the house will never be ours anyhow.

wonder if we can get an extension to give us time to move out, or wondering if we can put the house on sale whilst we look

this would be a better deal for NRAM, its in negative equity.

[davhems]

Hi cagger, thanks for this, I will get the letter done and then wait for the order before sending in the N244. We are seriously looking now

 

at going into rented property as the amount of money that NRAM want means the house will never be ours anyhow.

 

wonder if we can get an extension to give us time to move out, or wondering if we can put the house on sale whilst we look

 

this would be a better deal for NRAM, its in negative equity.

 

 

 

[davhems]

 

 

 

 

 

 

I wish you luck this forums has been great for help in the past I got eviction notice in 2010 and agreed a payment plan in court fell behind end of 2011 again and judge gave another chance then September last year I was a week late with a payment and again they took me to court and I won again and got payment reduced.sadly in the beginning of December my wife's bank closed the overdraft eating her wages so msde payment almost a month late. Got letter on forth for eviction and its set for 24th I really can't see me winning this time but I'm filling out a n244 and asking for more time to find rental property really don't think the judge would give me another chance but here's hopeing

[JWS4X]

Hey Good Luck with yours, Going to push for a reduction in payments and to have the order suspended again, and looking for a property to rent. NRAM had me on Mortgage plus £118 to apy arrears back over 12 years already done 2 when I missed the payment, now they want extra £500 month plus £4000 !!! This seems like the magic figure charge everyone £4000 whta you cant pay, then

get you evicted, the house gets sold for a pittance , but the main thing is that its taken off NRAMs ( our goverment ) books then write off the balance. One less to pay interest to the Goverment on.

and the "Mandate" team . Its the same person who you talk to when you call, they pretend to walk to another dept put you on hold then answer you, Try asking to speak to the Mandate dept

they have no phone line !!!. I reckon we should all get together and lobby the goverment about their actions. Dont let the bastards get you down.

[davhems]

Hey Good Luck with yours, Going to push for a reduction in payments and to have the order suspended again, and looking for a property to rent. NRAM had me on Mortgage plus £118 to apy arrears back over 12 years already done 2 when I missed the payment, now they want extra £500 month plus £4000 !!! This seems like the magic figure charge everyone £4000 whta you cant pay, then

 

get you evicted, the house gets sold for a pittance , but the main thing is that its taken off NRAMs ( our goverment ) books then write off the balance. One less to pay interest to the Goverment on.

 

and the "Mandate" team . Its the same person who you talk to when you call, they pretend to walk to another dept put you on hold then answer you, Try asking to speak to the Mandate dept

 

they have no phone line !!!. I reckon we should all get together and lobby the goverment about their actions. Dont let the bastards get you down.

 

 

 

Cheers they won't get me down were resigned to go into rented accommodation but to be honest this stress hasn't done my health any good do once we get over the initial shock of loosing home we might start living life again and enjoying it

[JWS4X]

Thanks to all who posted for me. Had a court hearing 29th Jan ( my Birthday ! ) supported by CAB and they were brilliant. I did not have to say anything

and the judge suspended the eviction order. On the 7th Feb NRAM called me , I thought to confirm the court order/new arrangement, No it was to tell me

that my family was to be evicted on the 12th Feb !!!! unless I paid £4000 immediatley and £500 per month extra . Told them about the court descision,

which they new nothing about and it was not on my records so they did not believe me . They are absolute tossers, took me about an hour to get them to call

thier legals and get the truth. Yipeee . but no apology

NRAM are absolute waste of time if you have a problem with them - get straight onto CAB as they have loads of cases involving them.

Thanks once again for all your support

[elzerbeth]

Nram are tossers no one knows what they are doing there one person tells you one thing you ring back and someone else tells you something else and the third you speak to has no idea why the other 2 would tell you what they did im gouing through crap with them again i have posted a thread today hoping i can get the advice i need