repossession hearing today 2.30 acenden on behalf of spml. £10k!!

[stuck03]

Help,

Urgent!!!

 

Im in court this afternoon as I have fallen behind with my mortgage and have a repossession hearing.

 

 

I can offer the full monthly payment starting June 1st.

 

 

We are back in work after both being made redundant.

 

 

Is there anything I should say or do?

 

 

Im so scared.

 

 

Can they take my house of me today.

 

 

Its my first time in court in relation to this.

 

 

Many thanks x

[SabreSheep]

I will put out an SOS for you, what time is the hearing.

 

You have left this VERY late. I hope someone who knows anything is about.

 

Regards

 

SS

[stuck03]

I have to leave hear at 230! My head has been in the sand and ive been a mess - reality has just hit home xx

[honeybee13]

Hello there.

 

Ell-enn has written a useful stikky about this. While you're waiting for replies, you should find some helpful info in there.

 

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

 

I'm not a repos expert, but do you have something in writing about the new jobs? I imagine that would count in your favour if you show it to the court.

 

HB

[dx100uk]

who is going for the repo and how much are the arrears

[stuck03]

acenden on behalf of spml. £10000 with added charges and fees

[dx100uk]

ouch..

 

 

is all the balance they are claiming in court solely your missed payments that total the £10k

 

 

or does the claimed arrears include their regular monthly arrears penalty fees

 

 

and all manner of other fees for letters/phonecalls/debt management visits?

[stuck03]

Its a mixture. in 2010 they separated the fees. The amount includes fees and charges pre 2010!

[citizenB]

You advise that you can make the full monthly payment from June - will you also be able to pay a little extra to bring down the arrears ?

[stuck03]

Yes only a token offer though. Is there a minimum I should offer as a guide -even if I have to beg, borrow or steal to find it

[stuck03]

I imaging there is about 2000 of fees included in figure from pre 2010 before they showed them separate

[caro]

In the link that honeybee has provided you'll find a budget sheet. Fill that in with your income and expenditure from June. Make sure that you keep the amount that you can afford to pay over the repayment amount realistic, because if you can't keep to any agreement you make you'll find yourself back in court. How long is left on the mortgage? You need to be able to show that you can pay the arrears over the time left on the mortgage ideally. You also need to provide a statement. Have a look at some of the cases in the successes sub-forum for examples of the kind of thing you need to include. Make sure that you include the Norgan case which should be in most of the statements on here, if not all. Have you already got a suspended possession order on the house?

[caro]

They cannot include fees in the arrears figure so if you're sure that theses are included, put that in your statement.

[stuck03]

This is the first time I have been to court. The letter states 5 minutes has been allowed for the hearing. Yes I am certain some fees have been included

[stuck03]

I have 15 years left on the mortgage. I have been here for 10 years.

[stuck03]

A statement?? Do I write something before I go?

[Ell-enn]

Hi there, arrears are missed payments not charges - so your true arrears will be all the payments you have missed - how many are there?

 

I can draft you a statement to take to court but we will have to work quickly as I have some meetings later.

 

Do you have a printer at home?

[stuck03]

so kind! No I dont! The place I print is closed on a Monday! What a mess! Can they make me leave my home today! I have 2 children x

[Old Cogger]

Internet cafe??

[Conniff]

This is the first time I have been to court. The letter states 5 minutes has been allowed for the hearing. Yes I am certain some fees have been included

 

 

Don't be afraid stuck, it isn't open court but a nice comfy little room. It's very rare a court gives repossession on a first visit unless the case is demonstrably hopeless.

[caro]

so kind! No I dont! The place I print is closed on a Monday! What a mess! Can they make me leave my home today! I have 2 children x

 

Absolutely they can't make you leave today!!! It's not that easy for them. :)If it comes to it you can always write it by hand, or have you got a friend you can ask to print it.Get cracking on the budget sheet too.

[Ell-enn]

Hi there, you can write it down by hand but I need to know how much the missed payments come to so that we can let the judge know the amount they are pleading is not the true arrears. You will have to offer something towards the arrears in addition to the normal monthly payment - but again I need to know how much the missed payments are so we know what total you need to offer to reduce.

 

Do you have proof of new jobs? and also proof of redundancy ?

 

did you contact the mortgage company to let them know you had a problem ?

 

As I said, we need to work quickly ........

[stuck03]

Iif they think it's hopeless am I given time to move? Maybe I can find somewhere near the courtt to print. It's an hour drive so I'm sure I would find a printer. Basically my mortgage payment is £892.94. I would be looking at paying 920 a month initially!

[stuck03]

We have a small pension that we can access in 7 years! This would clear the arrears during the term of the mortgage

[stuck03]

I wouldn't be able to work that out as its been bits over 10 years. The majority has been the last 2 years. I have proof of my redundancy and emails with partners job offer. I could take my ipad to show the judge if that's allowed. The figure on the papers from solicitor is 10,886.21. We had a debt company sent from the mortgage company. They used our current earnings and wouldn't use or predicted figure in june so wouldn't put an arrangement in place. not unless I cold make a telephone payment of nearly £5000.