Paratus - 2nd Eviction notice pending **WON TWICE **

[Ell-enn]

Hi, did you get a date for the hearing?

[madh21]

Hi, did you get a date for the hearing?

 

Hi..yes..only managed to get my application in today itwas closed when I went yesterday. 2pm tomorrow.

[Ell-enn]

OK, let us know how it goes - I'm sure it will be fine.

[madh21]

Thankyou.

[madh21]

Eviction suspended! But for review in 3 months when I have to provide an up to date budget statement.

 

The rep from Paratus was actually very nice. Sympathised with me and said 'Im just doing my job'. She said Paratus had told her to oppose my offer and to try and get me to pay more. The judge said my arrears were extremely high but was prepared to suspend so that I can prove that I wish to clear the arrears and was happy with the CMI + £130.

 

Thanks Ell-enn for all your help and hope you will assist with my review.

[Ell-enn]

That's good news - well done:) Of course I will help when it comes to your review. Just make sure you make payments in line with the court order, if you are even a day late they will issue another eviction warrant. When are you due to make the next payment ?

[madh21]

payment to be made by the last day of the month.

[Ell-enn]

Make payment a day or so early if you can, just in case. You provided a budget sheet with the N244 so did the judge say why you have to provide an up to date budget sheet in 3 months? did you say your income was likely to change?

[madh21]

Didnt say anything like that. I will be making payments on 27th. He didnt say why.

[madh21]

Hi...my date for the review is 21st January at 12 midday. My problem is that I also have a job interview that day at 11.30 20 miles away! Will I be able to change the date for the review? If they had done it at the end of November as they advised I wouldnt have had a problem as I was on anual leave.

[Ell-enn]

Ring the court and explain. Do you have a letter inviting you to interview ?

[madh21]

Hi.

 

Had a suspended possession order going back to 2008.

 

Had one eviction order, went to hearing and kept the house. I paid off all the arrears.

 

Then 2 years ago I had a back injury and was off work so was on reduced pay.

Paid the mortgage but irregularly.

 

I was then off for several months due to being bullied by my manager and eventually my pay went down to half.

This has resulted in accumulation of arrears of £3200 approx.

 

I did make an arrangement to pay off all the arrears in Aug

but my manager ( a different one) hadnt updated payroll that I was back

and so my pay wasnt right.

 

My dad was going to lend me the shortfall.

He is now ill so cant get me the money.

 

When I was paid on Sept, my salary was correct but taken by the council tax as a DOE!

 

Paratus have now issued another eviction notice scheduled for 3rd Nov which is Tues.

The letter from solicitors advised I try to make an arrangement to pay off the arrears.

 

I did contact Paratus last Monday 19th and offer to pay double the contracted amount each month

which means the arrears would be repaid in 6 months.

 

I didnt get a reply until 22nd requesting an income and expenditure to be completed

and proof of earnings which I sent 0900 on Friday 23rd.

 

They then emailed late afternoon on Monday 26th to say proof of earnings not acceptable - it was an online payslip.

 

Tues 0800 I emailed bank statement showing salary credit.

I emailed yesterday to see if they had made a decision

and just had a reply saying senior person has rejected the proposal.

 

However, they will accept it if I make a payment of £1250 (more then 4x my contractual payment)

this month to show committment to paying the mortgage) then double from then onwards.

 

They know full well from my I&E that I dont have this spare.

So what do I do?

Is it too late to get a hearing?

And if I can would a judge take the same view or even grant eviction?

Or do I just pay the money and ignore my other bills and starve me and my kids for the month?

[Ell-enn]

Can you get a N244 form to the court today or tomorrow ? Paratus know full well that a judge will accept your proposal to pay extra each month to clear the arrears - they are just trying to put pressure on you to pay a lump sum which of course they know you haven't got ! Send them a reply saying you have no option but to apply for a hearing in court and will ask the judge not to award their legal costs as you had made a perfectly acceptable payment proposal which they rejected. I can help you with the N244 if you need me to.

[madh21]

Hi and thanks for reply. Yes I can get to the court tomorrow. I would be very grateful for your help. I have sent an email to Paratus as advised re legal costs. I had also requested that they advise hiw they come to the figure of £1250 to which Ive had no reply. So fo you think a judge will accept it?

[Ell-enn]

Hi and thanks for reply. Yes I can get to the court tomorrow. I would be very grateful for your help. I have sent an email to Paratus as advised re legal costs. I had also requested that they advise hiw they come to the figure of £1250 to which Ive had no reply. So fo you think a judge will accept it?

 

Hi, it's certainly worth applying for a hearing, judges don't want to take people's houses away when they are able to pay their mortgage going forward.

 

Do you have access to a printer to get the N244 form and statement done?

[madh21]

Hi. Yes I will be able to.

[Ell-enn]

OK, affixed is the N244 form, fill it in as per the instructions below:

 

1.Your name

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

 

You say you did an income and expenditure sheet for Paratus - was it one of theirs or did you use our budget sheet ?

n244_0400[1].pdf

[madh21]

Thankyou. The budget sheet was one they sent me and quite basic. I also sent them last 2 years P60s and evidence of current income to show its back to full time.

[Ell-enn]

OK, fill in our budget sheet (I same one as you used last time) - I have affixed one - it calculates automatically as you fill it in, so you can adjust where necessary and also alter the categories to suit who you pay and how much. Any questions let me know.

 

I will start to draft a statement to go with Q.10 of the N244 and post on here later.

 

Take a photocopy of your current wage slip as you can affix that to the N244 pack for court.

 

How much is your normal monthly payment and how much can you realistically afford to pay in addition each month.

[madh21]

Hi. Its £305. I can comfortably pay double which is what I offered.

[Ell-enn]

Hi, when you made your offer to pay double did you put it in writing? if so, it would be useful to have a copy of that and also their written rejection and demand for a lump sum.

[madh21]

Hi. Yes it was all done by email. And the fact they took so long to respond given the urgency of it.

[Ell-enn]

OK, make copies of those emails. Affixed is a draft statement to go with the N244. I am out till later this evening, but will check in when I get back to see if you are OK with it all.

[madh21]

Ill take a look. Many thanks its really appreciated.

[madh21]

Where do I ask about the legal costs?