Can we have two eviction notices?

buddybutweiser

Hi alll, me and my wife are in a big mess. We have an eviction notice for this wednesday from our secure loan company and having spoken to our mortgage company today they informed me that they applied for an eviction notice 3 days ago. We are 100% sure we can lend the £2000 to pay off the notice on wednesday but if the mortgage company has already got another eviction date the day after or even 2 weeks later there is no way i can get enough of a lump sum together in order to defend myself.
Can there be two eviction dates in process at one given time?
Also we will be appealing to the court for a hearing on the £6400 mortgage arreas in the hope we can give any cash we can get together as a lump sum and come to an arrangment by paying the remainder over a year or two. I would appreciate if anyone can give me a few guides as to what might be considered acceptable by the judge when we appael. Thanks in advance

fatbelly

If your secured loan company has a warrant of eviction then it means that this has already been to court and the possesion date has passed. You can suspend a warrant of eviction by making an aplication to the court using an N244. You will need to persuade the judge that you can afford the contractual monthly instalment plus something towards the arrears. The 'something' should repay the arrears in a reasonable timescale. This can be the remaining term of the loan but most judges view 3 - 5 years as reasonable, assuming the remaining term is longer.

If the lender is actually applying for possession then the same guidelines apply but you do not need to make an application - you are expected to turn up for the hearing and put your proposal to the judge. If you can make an agreement ahead of the hearing with your lender that is acceptable to both parties, the judge may well 'rubber stamp' the agreement by giving a suspended possession order so that you stay in the property as long as the agreement is kept to.