Please help - repossesion

jojogirly

I dont know where to turn, we recieved a court warrant today giving us two and a half weeks to move out.

The mortgage people wont really talk to us despite us making an offer and trying to get them to switch to interest only for the last year. We have sent cheques with our offer but they say on my credit report I am paying regularly on mail order - which I dont understand because I dont have any.

Is there anything I can do? 2 and a half weeks is hardly anytime to pack up and find a new house/home. We are a big family. I just dont know what to do .... or where to turn...

DarkConvict

Unfortunately i don't have much time, but there are these links worth reading

http://www.direct.gov.uk/en/HomeAndCommunity/Keepingyourhomeevictionsandhomelessness/Mortgagesandrepossessions/index.htm

Mortgage help - http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=38_help_with_your_mortgage

Shortfall after repossession - http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=11_mortgage_shortfalls

Blahah

Hi jojogirly. Please give Shelter a call - they have a Homeowner Helpline especially for people facing reposession; 0300 3300 515.

Here's the website: http://england.shelter.org.uk/get_advice/repossession?gclid=CLjInpnu8KICFUMA4wodBmvghQ

Call and explain everything, they will be able to tell you the best steps to take next. Don't panic - repossession doesn't necessarily go ahead and there are options open to you to try to stop it.

jojogirly

Thank you both - have been looking into your links. will be in the court first thing on Monday to see what i can do x x

dancingfairy

Sorry to hear of your situation I would agree with the others and phone Shelter, you could also try National Debtline.
I don't know if you got a chance to object in court or whether you can still overturn the order - hopefully Shelter can advise on that one.
I'm bumping this back to the top for you.
df

jojogirly

We got this order suspended this morning after filling in the N244 - We put together a defence with evidence of charges added to our account, as well as letters from our employers regarding our jobs and also letters that had been sent back and forth to the mortgage lender.

We also made a payment before it went to court, which the mortgage companys solicitor denied but I had bank statements and authorisation codes to prove it. The judge was lovely and didnt dwell on the past but only how we could move forward. Thanks for all of your help

RAS

Good to hear about your success. Havwe a well earned weekend.

lindann_2

so pleased for you, wishing you all the best hugs lindann xx

DarkConvict

Well done.