Eviction / Balliff - Urgent advice needed

Depth_Charge

James_N wrote: »

Some specifics - I have just seen the documents:

* Is this mortgage arrears, or bankrupcy?
Mortgage arrears of £2170 on a £47,000 mortgage
If it makes any difference, this is about 33% equity of value

* How long-standing/large are any arreras?
As above. They've been in difficulty for some time.

* what process has already taken place?
County Court Order. Fully stamped - local court.

* were they court bailiffs, or private bailiffs?
County Court Bailiffs

They expect to be able to pay a lump sum to the company of 50% of the claim and stop this action. Can they? (yes they do have the money to do this now)

They also have a form from the court to "appeal" (?) against this order.

Additional information:
Parallel to this action by the finance company, there is a referenced paper trail of a PPI claim AGAINST the same company, where they made PPI a condition of issuing the mortgage at the outset. Yet, as a self-employed person, this PPI policy could never have paid out. The finance company accepted this in July 2012, but have still not paid out. About £7000 is due. I've seen correspondence to back this all up.

Hi

This CAB link may have some useful information -

http://mymoney.nedcab.org.uk/moneyadvice/mortgagearrears.asp

If there is an eviction warrant outstanding then this person needs to get immediate specialist advice.

James_N

Depth_Charge wrote: »

Hi

This CAB link may have some useful information -

http://mymoney.nedcab.org.uk/moneyadvice/mortgagearrears.asp

If there is an eviction warrant outstanding then this person needs to get immediate specialist advice.

I had no idea about the Mortgage Rescue Scheme (MRS) and will pass on the details in the morning. Many thanks.

James_N

Will any serious illness affect chances of getting a favourable outcome from a N244 form?

ValHaller

James_N wrote: »

The property is mortgaged.

• Mortgaged property => Repossession
• Tenanted property => Eviction

James_N

ValHaller wrote: »

• Mortgaged property => Repossession
• Tenanted property => Eviction

Thank you for this clarification. I will let my friend know. It will put his mind at rest knowing this important distinction.

hallowitch

did you post on the consumer action group their is a site team member called Ell-enn who deals with situations like this with a lot of success saving people from Repossession

I'm not saying she can save your friends home but she will certainly point you in right direction

lindsloo

hallowitch wrote: »

did you post on the consumer action group their is a site team member called Ell-enn who deals with situations like this with a lot of success saving people from Repossession

I'm not saying she can save your friends home but she will certainly point you in right direction

What Halloween says.

ELL-ENN was amazing with support and advice when I was supporting my ex in laws through their court hearing and without her they would never have got the chance they did.

MrsGruffalo

I agree and endorse Ell-enn on Consumer Action Group .
Do not hesitate and post this problem on that site. You will get fantastic advice and help

ValHaller

James_N wrote: »

Thank you for this clarification. I will let my friend know. It will put his mind at rest knowing this important distinction.

It is for you. It would have helped get the correct advice.

If you have other friends in rented or mortgaged property, your mind can be at rest that you can get them the correct advice.

James_N

I will check developments and relay this advice as soon as I get home.

One distinct difficulty is the chaotic nature of the files in the house. Things are mixed up, papers separated, misplaced .. one item is on a shelf, another on a chair, yet another in a file. Also as a neigbour and not a professional it's hard to say, "Well, HAVE you replied to this? When? Show me the reply? WHY haven't you done this ....?

I am not out of my depth as such (if this were me I'd be covering it all), but I am finding the whole process is skating on thin ice: one minute we have hot tears, the next it's faintly hostile when questioned. Yet, we were specifically asked to help.