Urgent help needed

[jodyperry]

HOPE SOMEONE CAN help.

 

 

My husband has just informed me that we are due to be evicted on 28th this month.

 

 

He has been off work with depression for the last 5 months and hasn't been keeping up with a payment arrangement with the mortgage.

 

 

They have just told me that this is the third eviction they have applied for

 

 

but he has cleared the balance or set up arrangements before to stop them.

 

 

They are not willing to make any further arrangement and still have a possession order

 

 

so unless we clear the balance of just over £4000 by tomorrow the eviction will go ahead.

 

 

I need to know if theres any other option but

 

 

the mortgage company say theres not.

 

 

our house is adapted for my son whos serverely disabled

 

 

so short term housing would be a miracle.

 

 

My husbands depression seems to be getting worse,

and I need to sort something to stop him worrying or burying his head in the sand.

 

 

Every time he leaves home im left worrying what sort of call I may get.

 

 

any advice on which way I should turn would be welcomed.

Edited October 20, 2014 by citizenB

[citizenB]

Your thread has been brought to the attention of site team. Someone will be with you later on today.. If you could just answer the questions below that would help.

 

Do you know how much the arrears are and would you be able to maintain the monthly repayment plus a bit extra for the arrears.

 

How long do you have left on the mortgage.

[citizenB]

Sorry I just noticed you put a figure in your post.. is that £4,000 arrears or arrears + plus charges ?

[BRIGADIER2JCS]

Has your mortgage lender been advised at any time that the home is modified to accommodate a vulnerable disabled person?

I think you need to get onto the court that has awarded the possession order and the mortgage provider and make them both fully aware of the circumstance I think your husband also must be considered vulnerable.

 

 

What actions has the mortgage provider taken so far other than suspended POs.

 

 

You must get this before a judge asap.

[Ell-enn]

Hi, you need to apply to the court on an N244 form to get a hearing in front of a judge. I can help you with the form, but I need to know if you can offer a payment proposal going forward and also if you have any documentary evidence of your son's disability.

[jodyperry]

The mortgage company are aware but as far as I know that's only from today's conversation and they didn't seem too bothered. I do have all paperwork from dla, doctors, and his specialists, and also doctors notes for my husband. By payment proposal I'm not sure if you mean lump sum or an amount we can pay on top of the mortgage but either way I think Ive managed to find about £1000 and yes I've worked out we can pay above the mortgage by about £100.

[jodyperry]

Would my husband need to go in front of a judge or can I do it on his behalf because I know he would for the sake of us but I'm really not sure if he could without tipping him right over the edge ?

[Ell-enn]

Is the mortgage in joint names ?

[jodyperry]

No just my husbands , just to update my parents paid the arrears for us but just wondering if there's anything I can do to officially inform the courts that there's a vulnerable person here ( not that I plan to be in this position again)

[BRIGADIER2JCS]

No just my husbands , just to update my parents paid the arrears for us but just wondering if there's anything I can do to officially inform the courts that there's a vulnerable person here ( not that I plan to be in this position again)

You have said I think you can pay the required payments + £100 if you state that you will take responsibility for making the payments In the future and show the judge the medical records of husband and son the judge may decide to suspend the order under strict conditions.

[Ell-enn]

Brig, the arrears have been paid - there will be no need to go to court.

[Ell-enn]

No just my husbands , just to update my parents paid the arrears for us but just wondering if there's anything I can do to officially inform the courts that there's a vulnerable person here ( not that I plan to be in this position again)

 

Jody, have the mortgage company confirmed the eviction is cancelled ?

[BRIGADIER2JCS]

[quote=Ell

 

 

Thanks ELL I missed that post!

[jodyperry]

They have , we got a letter today. Thanks to all for your help. I have a feeling Our tough times wont end any time soon but seeing my husbands relief in just telling somebody gives me hope xx

[Ell-enn]

If you need support you can be sure you will get it on here and we will help in any way we can. You only have to read around this forum and you will see are not alone in struggling with mortgage issues.

 

One piece of advice I would give you is, don't wait till the problem is upon you - if you can see it coming then we can help you deal with it before it becomes urgent.

[jodyperry]

Thanks I really do appreciate these forums and the people on them x