eviction date given

gazintrouble

hi can anyone offer any words of comfort or advice i had a suspended eviction made last august and after a few problems,one being made bankrupt,not through choice i have an eviction date for the 12th monday and court dte for the friday the 9th,i have 2200 arrears on the court order which the mort com want paying as they are oposing my n44 form which has been entered,i have 3 children under 11 and no savings or way of paying the 2000,i offered 500 a month 387 mortgage and rest off arrears but they said i had to go back through court as i had broken the order previously,shelter have helped me fill the form out and submit it and said i have a decnet chance as its the first time ive been back before the judge,its just started to worry me alot more now with a week to go,ive info our oldest we may be moving next weekend so as not to uprrot her on the spot,is it also worth mentioning to judge my 3 yr fixed term comes to an end this month lowering the payments and allso if the lender pushes to sell i will owe more than if they let us stay as the council want there discount back within 5 yrs i believe,sorry its a lot to write out just trying to give you the jist of it


thanks gary

kittiej

Would the council buy the house back if worst came to the worst?

pixiechick_2

Hi Gary

I hope someone will be along soon to give you some help - I don't know enough - but you've come to the right place.

It sounds a dreadful situation to be in, especially with young children. Hope you can sort something out. (((hugs)))

fatbelly

So, on your N244 you are proposing suspending the eviction by paying the contractual instalment (£387) plus £113 per month towards arrears of £2200. Is that right?

Your plan clears the arrears in 20 months.

On the face of it, it seems reasonable.

But what was the plan that you defaulted on? Was that a suspended possession order, rather than a suspended warrant of eviction? How are you going to make the judge believe that things are different now? Is it that the non-priority debts are gone now and you can concentrate on your mortgage?

Pleased to hear that Shelter are helping you. They are excellent at this sort of thing.

I think you've got a good chance as long as you can show that you can afford the £500. Let us know how you get on.

Mrs_Moneypenny_3

Hello Gary

I agree with FB above. On the face of it you have a good prospect of the warrant being suspended on payment of the contractual instalment plus £113.00 month off the arrears, which appear to be relatively modest. I am assuming that this is your first application to the court to suspend a warrant. No doubt the District Judge will also take into account the fact that the mortgage instalment will reduce at the end of your fixed term.

You may have to demonstrate to the District Judge that you have sufficient income to meet your proposal

I am sure all will be fine
Good Luck
MP