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being repossessd in 1 week
relynutz
Posts: 350 Forumite
we are being repossessed on 3rd jan at 11am.
we received notification of this on 18th dec.
me and my husband didnt know that the case had gone to court or anything like that, the 1st we knew of this was when the letter came through the door last week!!!
have 3 children aged 8, 3 and 2.
we have missed 4 months mortgage £758 p/m
have been to local council but cant get an appt until same day as repossession but at 3pm.
i am so scared not so much for me but our children, i just dont know what to do.
i keep trying to phone mortgage compnay and solicitors but its either constantly engaged or rings until i get an answer service that is full and cant leave a message. cant phone council because they dont open until 2nd jan
any advice ? plz
we received notification of this on 18th dec.
me and my husband didnt know that the case had gone to court or anything like that, the 1st we knew of this was when the letter came through the door last week!!!
have 3 children aged 8, 3 and 2.
we have missed 4 months mortgage £758 p/m
have been to local council but cant get an appt until same day as repossession but at 3pm.
i am so scared not so much for me but our children, i just dont know what to do.
i keep trying to phone mortgage compnay and solicitors but its either constantly engaged or rings until i get an answer service that is full and cant leave a message. cant phone council because they dont open until 2nd jan
any advice ? plz
relynutz says it all 
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Comments
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Give Shelter a call (brb with no.)
Also ring the court and see if you can find out what happened re: the possesion order.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Can't really give any advice sorry but good luck, I hope it all goes ok for you!Lightbulb Moment :idea: (10/12/07) :j
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Citizens advice bureau - ring them asap and ask for their help.
I dunno what else to suggest but hope it all works out for you - goodluck xx
GOD BLESS DURAN DURAN
Official DFW Nerd Club - Member no 293 Proud to be dealing with my debtsMarch NSD 5/10 March Make £5 Day £99.28/£1550 -
oh, just thought. Do you hae any family or friends you could stay with if the worst comes to the worst? Might be worth making some back up plans, just in case. GOD BLESS DURAN DURAN
Official DFW Nerd Club - Member no 293 Proud to be dealing with my debtsMarch NSD 5/10 March Make £5 Day £99.28/£1550
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http://england.shelter.org.uk/advice/advice-136.cfm
Here we go. They do get incredibally busy so you may have to sit on the phone on redial. Meanwhile look round their site and get as much info as possible.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Hugs hugs for you as this must be very scary for you all. Have you got in contact with CAB/shelter as suggested? Are you behind on other payments? It may also be worth you contacting CCCS/payplan re general financial advice if you have other debts. Keep posting & remember that people here understand what its like to be in debt. Hugs for you & let us know what we can do to help...Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0
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Turn up at the court whatever happens, see if you can get CAB support at the court - certainly get legal support from the court solicitor. You will possibly be allowed more time by the court to sort out alternative accomodation -eg tell them that you cannot see council until later. Not sure of all the legalities but they may allow extra time especially as you had no prior warning.Mutual Supporters club member (Nov 2006)
:EasterBun0 -
Good luck sending you positive thought vibes to you:A:A:AI am at a Crossroads in my life and deciding which path to take:coffee:
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hi I know you said the first you knew of it was the letter that came through your door , but what did you try and do from the point when you couldnt pay the first mortgage payment up untill the fourth payment now?. were you offered advice /suggestions?support? Its situations like these that their should be information etc as a lot of people struggle and need advice . I totally feel for you this situation that you are in especially with having such young children and right after Christmas. How did you get to this point with your home?. Have you been struggling with all the costs of living etc, bills etc. I just dont know how these matters work I am afraid . If you had been able to get up to date with payments , would you and your family have been ok ?. It just doesnt seem fair, I know in black & white the banks want money , but it is not fair for us mere mortals when sometimes circumstances etc prevent us from keeping up for whatever reason that our homes are threatened in uk everything is dear.
Major big hugs to you xxxxxxxx2012 - Emergency savings fund goal by December 2012 £3000.000 -
I would suggest you take the letter into your local branch (if the mortgage is with a bank/building society) and sit there until someone sees you who can explain how they have gone for reposession and not told you before now? You will get no where on the phones, but might get some help this way.
Do you have any money you could take with you in cash to offer to stop the reposession? Can you borrow anything short term from family members to help with this?
And now for a harsh bit, has one of you been hiding the post from the other, so that one of you DID know but hoped it would all go away? It is very unusual (but not unheard of) for you not to have letters saying first off please get your account up to date, then harsher ones, and then ones threatening court action? So if there have been none of these, then go to court and say so
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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