*Desperate mortgage help required-court action from Halifax*

meandbex

hi all, i am looking for some urgent urgent help as i have been threatened with legal action to repossess my house, which i believe unfairly. Cut a long story short my partner was quite ill in pregnancy before she was due to leave so we lost out financially. When we did have our our son who was premature, my partner had to stay in hospital and i had to come home with our little boy and that meant 6 weeks no pay.

Anyway we just got dogged with a bit of bad luck etc but i agreed with Halifax we could pay £450 a month instead of £668. That agreement was in place until march this year and i must admit i broke the agreement twice due to unfortunate circumstances etc.

I thought that from dec to march we would have cuaght up on all outstanding bills and get straight0 which i have :beer: BUT i now have a letter threatening action. I spoke to Halifax who said well what could you pay, which i explained as i have an even better job etc. They said fine but you will have to tell the solicitors. The solicitors text me by phone due the fact i hadnt replied to their letter and upon calling i explained that i hadn't recieved one-when they did send a copy it was for the next door neighbour:mad:

Ive made my offer to the solicitors who then called Halifax and they have said no!!! I feel really let down and i havnt slept in 3 days now through this worry. Amyone got any ideas at all please? Please find copy of letter from solicitors

DO NOT IGNORE THIS LETTER
BANK OF SCOTLAND PLC IS BRINGING PROCEEDINGS FOR THE POSSESSION OF YOUR HOME
THIS LETTER PROVIDES YOU WITH AN OPPORTUNITY TO DO SOMETHING TO PREVENT THIS FROM HAPPENING

Dear Mr xxxxx and Miss xxxxx

Mortgage Account No: Axxxxxxxxxxx
Mortgaged Property: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Terms of Mortgage breached: Arrears in mortgage payments
Current Arrears: £5,716.06 Current Monthly Payment: £668.85

This firm has been instructed to commence possession proceedings on behalf of Bank of Scotland plc - Halifax Division, because:

· In the past several months the Bank of Scotland plc has made a number of attempts to come to a satisfactory arrangement to clear the arrears of payments in respect of the above mortgage loan.
· Agreements have not been maintained or forthcoming and the decision to commence proceedings has therefore been taken.

It is not too late to stop your home being repossessed. Please contact the Mortgage Repossession Department on 0845 365 3852 if you wish to make a proposal for payment of the arrears. Alternatively, please forward your written proposals quoting our reference number. You can fax your written proposals on fax number 0161 831 1926. All reasonable proposals will be considered by our client. Our opening hours are Monday to Friday, 8.00 am to 7.00 pm.

If you require further debt advice, we recommend that you contact a Citizens Advice Bureau (CAB), Shelter, Community Legal or ring the National Debtline. Alternatively contact a debt advice agency such as the Consumer Credit Counselling Service (CCCS). All these debt agency services are normally free of charge. We also recommend that you make contact with the housing department of your Local Authority.


We enclose an income and expenditure form which should be returned to this office in the pre-paid envelope provided so that our client can consider any payment proposal made by you.

SouthCoast

Facing the prospect of repossession can be frightening, but it’s important to remember that you are not alone. There is a lot of help available from government, from lenders and from advice agencies. The information here will give you the tools you need to prevent your home being repossessed. You'll also find stories from some of the 330,000 homeowners who have already received help and advice.

http://mortgagehelp.direct.gov.uk/default.aspx

VIGILANT22

http://england.shelter.org.uk/get_advice/repossession/preventing_court_action#1

Dan_1976

Dont worry, sleep at night!

Get advice as per above. However, you are in the early stages so you can stop any action and not lose your home.

If you go to court you will get at least one let off. The rep for the Halifax will try and make an arrangement with you before you go in to see the judge. Its all very laid back, well in my case it was!

As long as you offer a payment that will clear the arrears and mortgage by the end of the term you will be fine.

The lender will try and make you pay as much of the arrears as possible. In the meantime do not stop making payments. Pay as much off as you can while your sorting this out, it will go in your favour.

There is legal help in place, free. Ask Halifax for this info as they will have it. National debt line is good as are the links above.

But do not stress over this, all it is bricks and mortor! You have your child and partner to worry about first!

Good luck

opinions4u

Some useful points above.

Are there any lessons that you can learn from the last time you had a property repossessed?

Is there anything you didn't do then that you could do now?

I split from my ex-partner 2.5 years ago after our house got repossessed ... My new partner and i were lucky enough to buy a house (new build from barrats) and the repossession did not show up.

cbrecruit1

Make sure you write them a letter asking to make a payment agreement. Look at all your finances and see where you can make cuts eg sky tv, Luxury
goods

silvercar

I thought that from dec to march we would have cuaght up on all outstanding bills and get straight0 which i have BUT i now have a letter threatening action.

If you've got straight why are there still arrears? I suspect that you prioritised your other bills and not your mortgage payments. This was a mistake, your mortgage bills should be a priority not a last resort. mortgage payments, then council tax, then utilities. Credit card companies may make the most noise but they are not priority debts.