Court date

Midgey82

Hello, this is my first post of any kind.

My husband and I had a relationship breakdown earlier this year, and got in to mortgage arrears as a result. We agreed one payment plan with lender, which broke down due to communication issues, and they applied for County Court date for possession order in October.

Thankfully my relationship is now back on track and, mercifully, this week we managed to pay off total arrears owing. We are starting a family, but admittedly finances have not ever been my strong suit.

However, I opened my post this morning to find a witness statement from lender solicitor intent for use on the court date in mid-December. I should add this was dated just prior to arrears being paid in full, and the lender stated when we gave intention to pay off arrears within the month that a review would be conducted at the end of November (current month).

With no arrears, and given usual mortgage payment will be received by them prior to court date, will this still go ahead? Despite breakdown, the last three months have been on time.

The letter has scared me no end, it is horrible to see the intention to claim possession so formally laid out in print - and the thought of losing my house that I've worked years to build up, prior to what will hopefully prove a blip, is too much to bear.

Many thanks in advance for any advice/previous experiences shared.

Thrugelmir

Where did the money for the arrears suddenly materialise from?

Midgey82

i assume you have asked this due to lender wanting to see it wasn't a loan (not that I could get one at present unsecured) or a cash gift? But that wasn't quite the initial response I was expecting tbh.

I have been owed back pay from freelance work, and arrears under 2k, so was able to clear when company finally paid me monies owing.