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maggie60

blemain/together mortgage - now on 3rd eviction notice - Friday 11th Dec

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Let s wait for Ellen and if shes not back in time we will advise accordingly Sara.

 

Andy


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Thanks Andy that's very kind of you. We've already made one sale today from a new client and washing machine started working again, so off to a good start for the day.

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Sara can you scan and post a copy of this eviction notice?

 

Regards

 

Andy


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Sorry Andy cannot see attachment link. I am probably being stupid, but beginning to panic now.

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Click reply and go advanced...scroll down to manage attachments.


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Thank you Sara...I think you had better make a start on your application...along the same lines as previously advised and request that it be suspended.Try to hand deliver this tomorrow as time is ticking on.


We could do with some help from you.

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Sorry Andy you mentioned going along the lines as previously advised, but I do not know where to start and am beginning to panic.

 

I appreciate this is Ellen's field and not yours, so would I be better off in trying to see the Citizens Advice Bureau for help tomorrow and getting it to the Court Office before it closes?

 

I am really grateful for your support but am way over my head.

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Do a budget sheet showing and work out what you can realistically afford. As long as it's over the normal payment you should be ok.

 

If you haven't done so already, read ell-enn's sticky at the top of the forum.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi, affixed is the statement for court. You need to fill in the info where there are XXX's at the top (remove the XXX;s) the info you need will be on the court forms you have received. Read through it carefully to make sure everything is OK. When you print it out, your printer needs to be set for A4 paper (not Letter size) so it all stays on one page.

 

On the budget sheet - write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

Now assemble as follows:

Statement – signed

Budget Sheet - Appendix 1

 

Make sure it is stapled securely together. You will need to take a photocopy of it all for yourselves so you have a set to refer to in the hearing. When you hand it in to the court ask the court staff if there will be any free legal advisors on duty on the day of your hearing – if so, you can approach them and they will accompany you into the hearing and support you.

 

 

See if you can adapt the statement ell-enn did for you before. We can sort it so don't panic. :)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro, I will go through it all tonight and get it all together and deliver to the court at 9am tomorrow.

 

Do you know if the hearings are normally next day or take two days?

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See if you can adapt the statement ell-enn did for you before. We can sort it so don't panic. :)

 

Thanks Caro, I need to include everything in my budget. Do you know how much I need to pay for the N244. I am seeing £35 and £155 on the Internet, but sure Ell-en mentioned something like £50?

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The fee is £50 Sara...the cavalry has arrived..over to Ellen.:-)


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi, I've just got in from work, will come back to you a little later if that's ok. In the meantime, have you got any written proof of the new work/contracts you have coming up ?

 

Below is the ling to a budget sheet which you will need to go with your N244, it calculates as you go along. Fill it in while you are waiting for me to come back.

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=31141&d=1320168516


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi Ell-en, I hope you had a pleasant break.

 

My husband received an email confirmation for the order from the new customer today, but this was just £400.

 

The network upgrades are in the discussion stage but are customers on over 20 years with us.

 

Thanks,

 

Sara

 

PS Thanks for the link. I will get my husband to start it when he is back at 6.30pm. I will read up on your article as Caro suggested soon as I einish making dinner. We will be working at this until late to have ready for the morning.

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Is the mortgage in joint names ?


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Ell-en would the court be likely to accept Cheltenham and Gloucester vs Norgan for an eviction notice as well as a possession order to allow us to catch up with the court arrears over the period of the loan? Or is it a once only chance?

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You will have to be able to show the court that you are able to make the monthly mortgage payments together with an extra payment each month towards the arrears - what will you be able to take to support your payment offer? - the judge will have to see something which indicates you are able to make these payments.

 

We will use the Norgan case law to support your offer.

 

How much exactly are the arrears?

How much is the monthly payment?

How long is left on the mortgage?


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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In completing Ellen's form we have divided the years income etc. by 12 but in July I will start receiving my state pension and business income will be low until April.

 

Should I just add the pension and try to explain the fluctuations with a narrative?

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The judge will be looking for something to prove you can afford the monthly mortgage and payment towards the arrears starting from now .......

 

Can you please answer the questions in my previous post


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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How much exactly are the arrears?

How much is the monthly payment?

How long is left on the mortgage?

 

The Court arrears are £3.200

The actual loan arrears are £5,500

The court ordered monthly payment plus £60pm

There are eight years left on the loan

 

I have nothing in writing to confirm the new networks as they are still in the discussion stage.

 

The judge will be looking for something to prove you can afford the monthly mortgage and payment towards the arrears starting from now .......

 

Can you please answer the questions in my previous post

 

Sorry posts crossed

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OK, I'll check in with you first thing in the morning to see where you are at with the paperwork


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Ellen, would you like me to send you Personal Budget Sheet by PM

 

Just to confirm there are 98 remaining monthly payments on the 15 year loan.

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