Mortgage advice.

halfabrian

I am looking for some advice please.

After being unemployed for quite a considerable amount of time and sticking my head in the sand too long I have got behind on my mortgage payments.

It went to court around two months ago and a fee of £550 a month was agreed. This included the mortgage and debt accrued. (payback aprox 90 amonth.) I have still been unable to find work and am now two months behind on that. I have had a solicitors letter through saying that unless this is payed by the 30th of this month the home will be reposessed and I will be evicted.

I have been trying to apply for the government interest only repayment scheme but want to ask if it is too late to do this? Or if a claim is on going are all reposession proceedings stopped?

Thanks.

SouthCoast

Having problems with your mortgage payments?

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

halfabrian

Can anyone answer my question please?

Thrugelmir

Have you followed the link Southcoast kindly posted up?

halfabrian

Thrugelmir wrote: »

Have you followed the link Southcoast kindly posted up?

Yes. Thank you. And I am in the process of following it through. My question is rather simple is the fact I am applying for government help due to being out of work reason enough for any reposession proceedings to stop?

beecher2

Have you contacted your lender to tell them you're applying for government help? No-one here knows the ins and outs of your situation, so no-one can tell you for sure what will happen. Contact some of the groups mentioned on the link you have.

opinions4u

halfabrian wrote: »

My question is rather simple

It is. But your circumstances are rather complicated.

halfabrian

opinions4u wrote: »

It is. But your circumstances are rather complicated.

My aplogies if I seemed short tempered or curt. I appreciate all help given. No I havent contacted them I was hoping to find out the situation before contacting them. I have looked in several places still to no avail.

beecher2

halfabrian wrote: »

My aplogies if I seemed short tempered or curt. I appreciate all help given. No I havent contacted them I was hoping to find out the situation before contacting them. I have looked in several places still to no avail.

You need to contact them as a matter of urgency as your letter says you have until tomorrow to get this sorted out. Every source of advice will tell you to always stay in touch with your lender.

halfabrian

beecher2 wrote: »

You need to contact them as a matter of urgency as your letter says you have until tomorrow to get this sorted out. Every source of advice will tell you to always stay in touch with your lender.

Should I contact the lender or the solicitor the letter is from?

beecher2

halfabrian wrote: »

Should I contact the lender or the solicitor the letter is from?

Phone Shelter first

As a homeowner, you can only be evicted if your lender or freeholder can prove there is a legal reason for evicting you and if the correct procedure is followed.
Repossession doesn't happen automatically. It may be possible to stop the process at any stage. If you need help, you can contact Shelter's dedicated homeowner helpline on 0300 3300 515 or use our directory to find face-to-face housing advice services in your area.

Letters from your lender's solicitor

When solicitors get involved, they will send you a letter giving you seven days to pay off all your arrears or make a proposal for doing so. If they are not satisfied with your response, they can usually start court action without any further warning.
It is definitely still worth trying to negotiate at this stage. Even if you can't come to an agreement, the court is more likely to be sympathetic if you have made an effort to sort things out before legal action is started. An adviser can help you do this - call our homeowner helpline on 0300 3300 515.