Halifax/Ascent - home repossession***Suspended* **

[morgan8080]

hi,

very worried as

I had missed a payment early on after getting the possession order

then been paying on time and

 

missed a payment as I had changed my card details and couldn't afford the payment by time I realised it hadn't gone through.

 

Been having non stop calls for past few days

as I am a student nurse I was at work and missed the calls.

 

I called tonight to be told it had gone to litigation that morning and although took new payment details he said he would speak to manager in morning but it would prob go down lines of eviction.

 

Total arrears 7000 and of those the 2000 are under the possession order.

I don't know what to do or try.

 

I want to keep my house and can maintain payments even though its hard

I am not ready to give up.

 

I also have suspended possession order on my first mortgage but its much less and am managing that.

 

The plan is to remortgage in a few years when I can finally get out of arrears and the possession orders and improve our credit rating.

 

 

Please help

 

Please help they are calling me tomorrow

[northernbloke]

That's strange! I thought I had posted to reply to this but it seems to be on another thread, unless I'm going ga-ga! Anyway as I said somewhere else, I have large arrears and found Christian Debt Line very helpful. "They'll give it to you straight" as to whether or not you have a defence.

[morgan8080]

Hi

been given a reposession date after mounting arrears and not keeping to the suspended possession order given about 5 years ago.

 

I haven't worked since 2011 but am starting work next month so offered Halifax £90 extra a month.

Was told by Halifax a month ago that we could make a payment arrangement but first they needed to get another possession order but not to worry it was cos old one had lapsed.

 

I then swiftly got a possession date through.

I have liased through Ascent and they won't accept it they want the £9000 arrears.

 

I have had medical problems and a break down a few years ago and still on medication.

Halifax have all medical notes .

I didn't just have a bit of depression it was very very bad and on a lot of medication.

 

Any advice as am putting an n244 in.

[morgan8080]

Do I try speak to Halifax directly or won't it make any differenc e

[morgan8080]

Spoke to them this morning

she is saying she wants up to date info like medical notes and medication and a letter to show employement which is fine

she said bank statements but I don't feel happy doing this

 

Help me please

[dx100uk]

I would

[morgan8080]

I did and they are thinking about it and will call Monday they want to go through my spending and see if it's in my best interests having the account??

[dx100uk]

Might be better to now stop using the phone and tell them you wish a paper trail by letter only from now on

 

Get an SAR running too as I bet you've got £1000's to reclaim in letter arrears etc fees too

[morgan8080]

I have emails in have sent to them are these ok or is headed letters better

 

I am doing a SAR but I need to concentrate on getting the eviction cancelled . She sounded like they would but couldn't say on phone till she discussed with someone else Monday at 8:30.

Does it sound like I have a chance

[dx100uk]

Of course you have a very good chance

[morgan8080]

Of course you have a very good chance

 

Halifax making out I don't .... saying that the judge won't necessarily go in my favour.

[Ell-enn]

If you can prove you have a job and are able to make payments going forward then I'm sure the judge will give you a chance. When you say you need to get the eviction cancelled do you mean you have received an eviction notice? or is it a possession hearing you have been notified of ?

[morgan8080]

About 6 years ago I had an eviction hearing as I put in n244 and it went in my favour.

 

I have had a couple of times they gave me an eviction date and it got cancelled as I paid something and offered a payment plan... it's hard to remember.

 

I have had a terrible night and not slept I am so close to taking diazepam for the panic again but I really don't want to.

 

I don't understand why they wouldn't make a decision yesterday after I begged them not to leave me over the weekend as I would be panicking ( I have been hospitalised in past)

 

I feel maybe they are trying to teach me a lesson by leaving things hanging till Monday , it's cruel

 

it's the eviction .. they told me in June that they were gonna apply for a possession order as the previous had lapsed but not to worry and it meant we could set up a payment arrangement.

[Ell-enn]

Hi, just to be clear - have you received a Warrant for Possession with an eviction date on it ?

[morgan8080]

Yes the date is 2nd October

I put proposal to Halifax they wanted lots of proof of me and are going to decide Monday as they don't know if it's in my best Interest having the mortgage which I found patronising.

 

I send bank statements and they picked through them and said I had spent a lot at JD sports one day etc...

but my spending had reduced since June ??

 

They have made me feel like a complete failure and a liar

[Ell-enn]

OK, lets wait and see what they say on Monday, then we will know whether you need to enter an N244 to get the eviction stopped. I am away from tomorrow until Wed evening and won't have internet access. I will look in again on Wed to see what needs to be done and can help if you need me to.

[morgan8080]

Thank you so much . Do I stand a chance of having eviction stopped?

[Ell-enn]

If you can show the court you are able to make payments going forward and can prove the new job offer then you have every chance. Judges don't like taking people's homes away when they can see there is a possibility of them reducing the arrears.

[morgan8080]

I have shown those to Halifax and have a sustainable payment going forward and proof . I feel terrible about it all

 

Also I am sending SAR but they said they only accept cheque??

[morgan8080]

Well am in still in limbo as Halifax have called and picked through last 4 months of bank statements every penny...

questioned me for ages and still reviewing account .

 

I cried on phone as I said it's stressing me out and feel being judged and cannot cope with these calls .

 

I asked if I could do it through email she said not .

 

I am expecting another call and am hoping I don't feel so bad on the next one.

[dx100uk]

post 6

STOP TALKING ON THE PHONE!!

 

writing only put the phone down!!

 

bet they'd never ask those questions in letter

 

dx

[morgan8080]

they will only discuss on phone and catagorically said no to email

[dx100uk]

no not email either LETTER

if this is what they are saying then you put the phone down on them after stating writing ONLY/

 

it proves what I said

they'll threaten and allsorts over the phone

and do things they are NOT ALLOWED TOO.

if they put it in writing they'd be told off by the regulators

 

if you must talk on the phone

you tell them it is being recorded

bet they'll say you cant do that.

 

 

sorry but you are letting them treat you like a fool.

[morgan8080]

I have an open complaint ...

they have said they can't stop eviction unless I pay £2000 .

I said I cannot afford that.

I can pay £1000

if I pay any more I am jeopardising next months payment and I want to pay on time from Now on.

 

The woman kept hastening me asking what I wasn't happy with and what she had done and why I was complaining and she needed to know .

I am going to speak to someone in complaints and put it in writing to them

 

I was on phone 2 hours to her .. I kept saying I need to go now as I am worn out emotionally with it all but she kept talking and asking me questions. I need copy of this call.

 

Apparently in June I had agreed a payment arrangement ... I don't remember this ?

I was told to wait for an extension of possession order

[dx100uk]

that is totally out of order

well done

now you stay off that phone

 

 

I know this sounds silly but

it IS Halifax you are talking too?

whats the number they use we'll look it up

 

 

dx