Kensington SPO ***Resolved***

[dx100uk]

have you all statements to date?

[markez78uk]

also being 100% honest not to sure how to do it

Regards

Markez

[markez78uk]

no i haven't got all statements

unfortunately

[dx100uk]

sar them first then.

 

 

dx

[markez78uk]

Thanks i will try and sort this in next week or so

as no monies at the moment

regards

markez

[markez78uk]

still no reply as yet ?

however

i have had a letter dated 31st may delivered on the 6th june stating not to pay to old account details that i have my standing order setup as they have a new bank account .

 

im awaiting for the dreaded reply regarding if they will accept my proposal

- for the first time ever they haven't even called me by phone,

 

i hope they arent just going ahead with an eviction date - only time will tell

[Ell-enn]

Did they give you the new bank details ? if so - make sure you change your standing order in plenty of time.

[markez78uk]

yes they sent me the new details-

and i have reset up the standing order up for 2 payment end of month

[markez78uk]

Just An update

 

My wife cant start the job untill 1st of july now at the NHS as she has to have some injections to protect her from mumps ? and they cant do them untill the 27th june

 

 

SO HER FIRST WAGE WILL BE AT THE END OF JULY !

she got offerd the job 12th may and it has been delayed several weeks due to medical and clearance checks

 

still no reply as yet and no phone calls regarding my offer to pay 28th this month

 

i CAN afford to pay them the cmi + £200 on the 28th june ,

but then we will have a new payment due 1st of july of which i can afford to pay weekly

 

 

then by the end of july we can make a full payment ready for the 1st of august payment and we will be then back upto date ( upon making double payments in july)

should i call them ?

or write to them ?

 

im starting to panic as if they dont accept weekly payments in july

- for julys payment they will go straight for repossession

even tho technically i will be paying the month amount due in the same month its due

Regards

markez

 

in English

1st june due payment - Paying end of june

1st July Payment due - paying weekly starting 1st july (splitting it over 3 weeks )

- so be paid by 18 th july

 

1st August Payment due - Paying at end of july so back upto date

 

Due to the nature of my wifes delay getting her start date at new employment we have no choice

am i asking for trouble

 

Regards

Markez

[dx100uk]

don't ask

TELL them by letter

this how you are going to be paid and when.

 

 

no waffle

no crawling

[markez78uk]

ok Thanks DX

will it have a massive effect on my case if it goes to court ?

as i have genuine circumstances that we have a paper trail for

shall i just send a proposal letter of the payments i am going to make ?

im not very good with the letters lol

 

All the payments due for this month and july will be paid in the same months they are due - just not on the due date

is it reasonable to ask kenny if i can change the due date to the end of the month instead of the beginning so then they wont actually be late payments > ?

 

Regards

Markez

[dx100uk]

post 450

you TELL THEM

[markez78uk]

ok cool

will try and draft a letter and get it posted off

Regards

Markez

[dx100uk]

dear..

in regard to mortgage A/c no.........

 

 

you will be paid the following amounts on the following date:

 

 

1

2

3

4

5

 

 

I thank you

for your time

 

 

nothing more

 

 

dx

[markez78uk]

ok i will get it drafted up

and if they decline ?

Regards

[Ell-enn]

Hi - suggested letter -

 

 

Further to our previous letter of (date) advising the need to make adjustments to our payments in June & July due to Mrs XXX's new job - unfortunately the start date has been delayed until 1st July. Therefore we will have to schedule payments as follows:

 

 

1st June payment - Paying end of June as previously advised

1st July payment- we will start paying weekly starting 1st July (splitting it over 3 weeks ) therefore the payment will be paid in full by 18th July.

 

We trust you find the above proposal acceptable.

 

 

Yours faithfully etc.

 

 

Send recorded delivery

[markez78uk]

Thanks ell and dx

will get letter sorted this morning

and get posted off

Dreading if they dont accept it

Regards

,Markez

[markez78uk]

UPDATE

 

Got a letter this morning dated 8th june

- saying they haven't received the payment due on the 1st of june

of which i sent the letter that ell helped me explaining i will pay at the end of june recorded Delivery and it was signed for on the 3rd june - of which i have proof

 

They are now stating i have to contact them with 15 days of the letter of which will be the 23rd june !!

not leaving me much time to reply

it also states that they may instruct their solicitors to claim possession :( as there is a suspended possession court order

 

im going to have to get a new letter done today and sent out first class next day delivery as

(i Have sent the other letter stating when i will be paying in july

 

looks like they where just waiting for us to slip up and then pounce again

- we haven't missed a payment since august last year (last court date )

 

and this payment was due on 1st june of which we are paying on the 28th as stated

 

Really worried now

Regards

 

Markez

[dx100uk]

I would suggest your letters crossed.

sit tight

[markez78uk]

Hope so

they got my letter on the 3rd of June and wrote this letter to me 8th June

fingers and toes crossed

Regards

markez

[markez78uk]

is it reasonable to ask kenny if i can change the due date to the end of the month instead of the beginning so then they wont actually be late payments > ?

 

as starting to feel very nervous now

[dx100uk]

Won't hide your missed months

Pers I'd let it run

[markez78uk]

ok

im not missing the months im late by 3 1/2 weeks because the wife lost her job and starts 1st week july and doesn't get paid until end july

i will sit and wait the dreaded outcome

cheers for all the feedback and help

Much appreciated

[Ell-enn]

Hi there - if they signed for the letter on 3rd June which was a Saturday - it would not have gone anywhere in their offices till the Monday (5th) - they don't deal with letters straight away anyway and the letter you received dated 8th June will have been instigated by their system a couple of days before so it's entirely possible that no-one read your letter until after they had sent one to you.

 

 

I'd wait a few days and see if anything else turns up from them.

[markez78uk]

ok thanks so much

Im paying them in 8 days as well so at least that will be also on file as in my proposal

Regards

Markez78uk