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Yes pay the extra if you can

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Hi got my hearing for 8th July at 3pm. She said that there will be no legal reps there but I will speak to NRAM reps and then go b4 judge....is that right? Paid the extra £50 but it was too late for June. What will NRAM reps discuss with me?

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Hi, the NRAM reps will already have had a copy of your defence before the hearing - depending on who they are, they may agree your proposal before hand however, some can be helpful, others can be jumped up newly qualified little snotts trying to be superior, who may try to get you to say you will pay more.

 

If they do try to put you under any pressure - under no circumstances enter into any discussion regarding what you have offered to pay - if they tell you they are opposing your offer then you tell them that it's not their decision - it's up to the judge to decide and you'll put your trust in him !! then simply walk away.

 

Did you attach the proof of payments to the N244 statement ?

 

I know you will be stressed with the situation but you must stay strong - it will be ok :)

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... some can be helpful, others can be jumped up newly qualified little snotts trying to be superior, who may try to get you to say you will pay more. ..

 

The vast majority aren't qualified - they're agents employed by the solicitors' companies because they are cheaper to send than someone fully qualified.

 

The reason some of them appear to be as you describe is because they are given very aggressive instructions 'gain a possession order' or 'do not accept an offer below X amount' and they are told under no circumstances should they budge from that stance.

 

I once had one refuse to negotiate. I told him to go and take instructions from his instructing solicitor. He told me he wasn't going to. I told him the judge would not be happy.

 

Of course, not only did he not gain possession for his solicitors, but he also got himself a severe dressing down by the judge for wasting court time.

 

To the OP - don't be intimidated by these agents (or indeed by a solicitor if one should happen to turn up) - I know it can appear scary, but if you have a realistic proposal for paying your arrears the judge is very unlikely to give judgment against you.

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:):)

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The last solicitor I had for my lender over a year ago now :) was probably one of the nicest people I could have hoped for!!!

 

I told him that I understood he was there to get a possession order and I was there for the opposite and there wasn't anything really to discuss.

 

He said ok, not a problem, checked some figures, which surprise surprise did not include my most recent payment and that was that.

 

After the hearing he even spoke to me to say well done and offer me help with my other debts through CAP (Christians Against Poverty)

he actually gave me the impression he was happy about the decision.

 

 

I think as said before it is the luck of the draw, from memory, there was one solicitor there who from what I could hear was like a rottweiler!!!!

 

Be positive, firm and above all try not to show how nervous you are (easier said than done I know!!!) But I am sure you will be fine

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Oh last sleepless night tonight!!!! I wanted to check what you think i will need for tomorrow...Ive got my statement and I&E sheet and i have the copy of my bank statement that i provided is there anything else i will need????

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Hi there, you've got everything you need - just try to stay positive - you'll be ok - it will soon be over and you can get on with your life :)

 

Don't forget to give us the good news :)

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Thank You sooooooo much, just got back now, eviction suspended!!!! Rep from NRAM was really lovely, he said that he had to ask for the order to be granted but given my I&E and offer couldnt believe that NRAM had refused it! Judge looked very stern but didnt ask me any question just basically said that given my arrears would be clear in 28 months and i have 24 years left on my mortgage thought that NRAM was wasting his time!!! I was a big soft wusse at the end and cried!!! Bet the judge thought here we go again!!!You all deserve a big drink and i cant wait for a full nights sleep tonight!!!Thanks again, i dont think that i would have done it without you!!!

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Fantastic news! Well done :)

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AAARGHHH NRAM are complete tools!!!!

Received a letter today confirming my arrangement for 6 months and date when 1st payment due.

...rang them to query the date and mentioned about the 6 months..

 

 

...they have now said that i need to compete I&E statements every 6 months

and send them wage slips and bank statments every 6 months..

...can they still do this once the court has placed an order?

 

 

I spent more time faxing my document during the eviction as they kept saying that they hadnt received them

or only received half!!!

 

 

Another query - they have said that if i dont contact them every 6 months

they will commence legal action EVEN if i make the payments???

 

 

Can they do all this.

...I can feel my blood pressure rising again!!!!!

Sorry to ramble but they are driving me nuts!!!!

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They are complete idiots. Once the court has made an order, that's what you comply with ! If they want to vary the order they would have to take it back to court and if you have been making payments as ordered by the court the judge will not be happy with them !

 

Don't send them anything - you supplied income and expenditure to the court and it was accedpted by the judge, that should be the end of it.

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  • 4 years later...

Hi I'm after a bit of help but a bit of background info first!

 

 

We had arrears on our account and NRAM started repossession process and we had a date of eviction.

We came to an arrangement and paid an extra £350 a month on a £560 a month mortgage.

 

Paid it all except the last payment.

This was their error as they set the direct debit up incorrect.

This co insided with Hubbie loosing his job and we missed a few payments.

In December I made an arrangement to pay an extra £200 per month on top of my £560.

 

Paid December and left instructions with Hubbie to pay Jan

as I was in hospital with poorly child which ended up being 4 weeks in hospital.

 

We've come home today and there is a letter from solicitors saying that they have applied to he court for eviction date.

 

 

What does is mean?

I only opened the letter at 4pm and when I've tried to ring NRAM they shut at 1pm.

I am now in panic mode and I've searched through the Internet which has resulted in me panicking more!!!!

 

 

My questions are:

 

1. Will I have a suspended posession from me making an arrangement with them back a few mins ago?

 

2. If they give me a date and I pay the arrears will that be it all over and done with

or will I still have the house repossessed?

Edited by citizenB
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I will try and find someone who can help you. It might not be this evening, but we will find someone who can help.

I understand it might not be easy, but as there is little you can do until Monday now, please try not to panic.

 

How long is left on the mortgage term ?

How much in arrears are you ?

 

Are you in a position to pay all the arrears ?

 

Do you know if there have been any penalty/default charges added to the account and have these been included in the arrears total ?

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Thank you.

I'll dig out one of the letters.

I'm due to pay February's payment on Monday so was just going to send it through my online banking.

That will be £760 so £200 towards the arrears.

 

 

I think the arrears are under £2k but it's still about 3 months payments.

 

 

If the date is a few weeks off them I may be able to pay a good chunk.

 

 

Hubbie is paid 4 weekly and is due to be paid on 19th March.

 

 

I'm wondering if it's worth just handing all his wages over and struggling for a month or two?

 

 

Ell Ann has helped us a few years back when it all started so hopefully she my be able to help again

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yes ofcourse you can!

 

but its not the priority at present.

 

sorry it should have been advised last time.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It's good to know. I need to do my loans and credit card ones as well but know that time is running out. But priorities first......make sure I've got a roof over my head. Had a sleepless night last night.....all sorts of senarios going through my head!

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Shelter and homeless charities can be good in these situations.

 

They might know local advocates who can help if need be. You have to be able to show that you are in a financial position to service arrears and pay future commitments, therefore repossession is not a fair way to deal with the current position.

We could do with some help from you.

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Hi there, you need to contact them to explain what happened - you have reduced the arrears in line with the court order up until you had this blip. You can either ring them or write to them - if you need help with a letter let me know.

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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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  • 1 year later...

Hello

Don’t really know where to start

 

a few years back we had a eviction this was suspended and we re paid all the arrears at that time....happy days!

 

Few months after we paid everything we started having a hard time financially.

 

This resulted in us receiving a few letters from county court with eviction dates..

...we paid everyone by throwing all our income at the arrears and clearing them

 

then a month or 2 later we was in the same boat again!

 

Fast forward a few months and I’m here again only this time I’ve decided to have the eviction suspended after a conversation with the bailiff and realising that I can’t keep doing this!

 

The hearing is tomorrow and I’ve got all my income and outgoings to take with me

 

I’ve just realised that I’ve not spoke with the mortgage company since they issued the eviction,

 

should I have made an offer to them or the court?

 

I don’t want the court to think I’m taking the mickey........,..

 

Any help would be great x

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