NRAM Repossession - Second Time

[churchilluk]

Hi, just wondering if any one can help me. NRAM are trying to evict me from my house.

 

I went to court for not paying my mortgage this july and got a second suspended eviction order.

 

I have now broken this order again by missing 2 payments this was silly of me but my car broke down and needed to by another car for work as no car no work. I have phoned NRAM and told them this but they are proceeding with the eviction. I did another income & expenditure form over the phone with them and sent in everything they wanted ie Bank statements & Pay slips and even made them an offer but after waiting to hear from them they have said they want full arrears of £4500.

 

I have not been given my eviction date yet so should I proceed and go to court as I do not want to lose my home.

[Ell-enn]

As you know, you can apply on an N244 to have the eviction stopped. If you apply before you get an eviction order it will cost you £80 if you wait for the eviction order it is £40

[churchilluk]

I spoke with the bailiffs office today and they have not given me a date yet. I know the county court closes on friday for Christmas so not sure what to do at the moment.

 

Do you think I will be able to keep the house?

[Ell-enn]

How much are you paying extra each month towards the arrears ?

[churchilluk]

How much are you paying extra each month towards the arrears ?

 

Am paying an extra £270 a month

[Ell-enn]

So in theory the arrears should be paid off in less than two years ? how long does your mortgage have left to run?

 

Under normal circumstances are you able to maintain payments of £270? di you offer that amount or is it what NRAM demanded ?

[churchilluk]

So in theory the arrears should be paid off in less than two years ? how long does your mortgage have left to run?

 

Under normal circumstances are you able to maintain payments of £270? di you offer that amount or is it what NRAM demanded ?

 

I've still got over 12 years left. The £270 was the amount what they wanted at the very start. I must admit I do struggle paying that amount. But will a judge allow me to reduce that amount since I have been paying it?

[Ell-enn]

Can you do a realistic budget sheet - I have affixed the one we normally use (it calculates automatically as you fill it in). If you are struggling with the £270 you should ask to reduce it - no point in having an amount too high that you can't maintain or else you will constantly be defending eviction if you can't afford it.

[churchilluk]

Hi

 

Please find attached my completed budget sheet. Thanks

Edited December 17, 2012 by churchilluk

[churchilluk]

Is that ok Ell-enn?

[Ell-enn]

I think something has gone wrong with the spreadsheet ??? it has changed from the version I affixed for you

[churchilluk]

It should be ok now as I uploaded the wrong one yesterday.

[Ell-enn]

Hi, you have £85.00 left over after offering £200 per month to the arrears so it's unlikely that you would get a reduction in the payment you are currently supposed to make. Also, you have 47 per month to Virgin media (assume that is TV package?) and 25 for entertainment - the judge would probably expect you to give those up to pay towards the arrears.....

 

How many children do you have and what age are they ?

[churchilluk]

I have 2 Children, they are 3 & 8.

[churchilluk]

Hi should have my eviction date in the next couple of days, so should I stay with the amount I was paying then. With the TV package am tied in for another 12 months.

 

any advice would be great as would like to get things moving as soon as I get my date.

[churchilluk]

Hi Ell-enn, I have redone my budget sheet now and gone back to offer them £272 extra a month now, I have been given my eviction date today and its for the 17th of this month so need to be getting my N244 as soon as possible.

 

I have attached my new budget sheet.

[Ell-enn]

That looks OK, do you need help with a statement for Q.10 of the form ?

[churchilluk]

That looks OK, do you need help with a statement for Q.10 of the form ?

 

That would be great if you could help.

[Ell-enn]

Hi, do you have a receipt for the car you bought to get to work in?

 

Is the mortgage in joint names ?

[churchilluk]

Hi

 

Yes I've got a receipt for the car, also yes its in joint names.

[Ell-enn]

OK, I'll draft something up shortly.

[churchilluk]

OK thanks.

[Ell-enn]

Affixed is the statement to go with Q.10 – you need to fill in the information where there are XXX's at the top of the statement (the information will be on the eviction warrant) - read it through carefully to make sure all the info is correct and to fill in the name where there are other XXX's in the statement. When you print it out the printer needs to be set for A4 paper (not Letter size) so it all fits on one page.

 

Photocopy the receipt for the car and write the Claim Number on the top left hand corner then on the top right hand corner write Appendix 1. Do the same on the budget sheet except it will be Appendix 2.

 

Now assemble as follows:

N244 completed.

Statement – signed

Appendix 1 – Receipt for car

Appendix 2 - Budget sheet

 

This forms the pack to take to court. Make sure it is stapled securely together. Before handing in to court take a copy of it all for yourself to refer to in the hearing. When you hand it in to the court you will need to pay a fee of £40 and it will have to be in cash (take the eviction warrant with you). They should be able to give you a date for the hearing while you are there – also ask them if they have any duty legal reps who will be there on the day of your hearing – if you approach them about your case when you get there on the day they can accompany you into the hearing and speak on your behalf.

[Ell-enn]

These are the instructions for completing the rest of the N244:

 

1.Your names

2. Tick Defendant

3. Cancellation of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except The Applicant Believes

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

[churchilluk]

Been and handed my N244 forms into day and my hearing is on the 14th at 10:00