Eviction set for 30/1/14 - I don't have the money

[marisag]

I am in similar situation...when you say arrears are you talking about the whole total of arrears or the arrears on your monthly agreed sum?

We have eviction date of 30th Jan 2014 because I have fallen just £250 behind on our agreed monthly payment (mortage payment plus sum towards our arrears)

I am worried because, whilst I will be able to pay the £250 very shortly I won't be able to pay the total mortgage arrears (approx 16K)

I have been able to fulfill the terms of our suspended possession order since Feb but fell behind this month

Seeing solicitors this afternoon but grateful for any input

[honeybee13]

Hello and welcome to CAG.

 

I've started your own thread so you can have advice specific to your situation. Please continue to post here, the forum guys should be along over the course of the day.

 

My best, HB

[marisag]

Thanks HB - wasn't quite sure where to start as first timer on here!

To elaborate, the lender is Santander and the solicitors are the friendly team at Eversheds (I have noted some of the comments on here)

The house is worth 750,000 and the outstanding mortgage is approx 230,000 so you can see straightaway that Santander would recoup all their money no problem and I'm wondering if this is working against me...they can have no worries over not getting all their money back which makes it all too easy to go down the repossession route. Or am I just being paranaid?>

[Desperate Daniella]

Hi marisag,

 

I'm sure you will hear from the Repossession experts here later in the day. They are amazing!

 

In the meantime you might like to read Ell-enn's guide.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

 

DD

[Ell-enn]

Marisag, are you paying to see solicitors this afternoon ? they won't be able to do any more than you can do yourself with guidance from this forum. You need to apply to the court for a hearing to have the eviction stopped - you make the application on an N244 form and we can help you with that - the court fee is £45 and that is all you will have to pay. If you can assure the judge that you are able to make payments going forward you won't lose your home. Have a read around this forum and you will see that people keep their homes even when they have missed payments under a suspended order.

[marisag]

Well I saw that form N244 was the way to go and have already downloaded it but wanted to get professional advice too. His letter (to Eversheds) was £70 and as you said Court Fee £45 and I can be sure everything is completed properly and won't be dismissed on technicality.

[Ell-enn]

So has the solicitor completed the N244 for you?

[marisag]

Yes and was also writing to Eversheds today. Also just received a SMS asking to contact Eversheds to see "if their client can assist". Is that standard practice i.e. going through the motions? Surely that comes before seeking an eviction date?

[Derwent]

Yes and was also writing to Eversheds today. Also just received a SMS asking to contact Eversheds to see "if their client can assist". Is that standard practice i.e. going through the motions? Surely that comes before seeking an eviction date?

 

Don't phone Eversheds, they simply want you to call so they can try and badger you into paying a lump sum immediately. They are not interested in "assisting" you at all, their duty is to their client not you.

[marisag]

Well...since I am completely totally comprehensively skint Eversheds can badger me for a lump sum all they like lol

 

Isn't it all a bit a**e about face to apply for an eviction date and then ask if they can assist (rhetorical)?

 

This is all because last month I paid 1750 instead of 2K!!!

[barbershop0]

Seems like Satander / Eversheds are acting like tos**rs. Hope everything works out for you.

[ukaviator]

How long is left on the mortgage?

 

They will be adding arrears charges onto the mortgage monthly, any idea how much that is? You should claim those back.