Reposession letter from solicitors

Blackbeard_of_Perranporth

beccibaxter wrote: »

It's as if you have skim read my post and then changed it to suit you!

You clearly didn't read it properly as everything you have said is the exact opposite to what I have put!

Either that or you get off on bullying people when they're feeling low.

I have not skim read your post.

I was on ESA last year. They paid my Mortgage interest. They have done so on and off since February 2012.

I am £6,900 in arrear. More than you

I have been warned every time i ring them up about my arrears and repossession.

I have not got a letter from their solicitor.

Take my advice. Get an arrangement. And stick to it

Blackbeard_of_Perranporth

Oh. And if DSS are paying your interest. You are not at risk.



So why have solicitors written?

silvercar

Blackbeard_of_Perranporth wrote: »

Oh. And if DSS are paying your interest. You are not at risk.



So why have solicitors written?

DSS only pays interest not capital. If you are on a repayment mortgage, your mortgage payments from DSS won't be enough - building arrears each month. Also they pay a standard rate of interest upto a certain limit, if your interest rate is higher or you have a larger mortgage, again your repayments won't be met in full.

Add to that the delay before DSS start paying and you can see how arrears build up.

whitewing

Whatever happens, however worried you are or your family is, however unwell you feel on the day, you must attend the court to give yourself the best possible chance. Remind the children that of they feel worried but don't want to talk to you in case they worry you more, then they can phone Childline on 0800 1111.

beccibaxter_2

Blackbeard_of_Perranporth wrote: »

I have not skim read your post.

I was on ESA last year. They paid my Mortgage interest. They have done so on and off since February 2012.

I am £6,900 in arrear. More than you

I have been warned every time i ring them up about my arrears and repossession.

I have not got a letter from their solicitor.

Take my advice. Get an arrangement. And stick to it

InHAD an arrangement, the LENDER broke it due to a system error and won't respond to any offers I make for a new arrangement.

Or are you choosing to ignore that part of my post?
Also, the DWP are paying the interest direct to my lender, they have been for months. Guess what? Still going to court.

You obviously have no idea what you are talking about.

Blackbeard_of_Perranporth

I will repeat my first advice. Call your lender.

I will further advice. Call your lender.

I have done this on and off for the last five years since my first heart attack. They listen. We have an arrangement. A couple of times I have been in a position to break it. I call them. Not once have I been close to getting a letter, yet they have to tell me when I ring them that this could happen.

Now at eight thus morning do yourself a favour and call them. Don't get on your high horse and say it it their fault and get their back up. Explain clearly your situation. Get a plan you can afford. Stick to it.

Oh and I repeat my first advice. Call them.

You are free to ignore my advice, and be booted off out. Back when I was at university in 1997. I paid my mortgage cash every month. The couple opposite were ignorant and never went to the building society, went one month in arrears, and three months later were evicted. I remember because my building society manager introduced me to his box as Here is Mr BoP, he lays us every month, and with that, took a pike of defaulters and explained they were to be evicted. It was as simple as that.

And if you do not believe my amount of arrears, I can provide verified figures.

Again I repeat my first advice. Call your lender.

Blackbeard_of_Perranporth

beccibaxter wrote: »

You obviously have no idea what you are talking about.

I am still in my house. I must have got something right!

Blackbeard_of_Perranporth

beccibaxter wrote: »

Also, the DWP are paying the interest direct to my lender, they have been for months. Guess what?.

Guess what. The DWP only paid the interest on my mortgage. Hence my arrears! And it took them six motnths to do so. March to September 2016. Verified accounts are available. My lender once lost the forms as well. Guess what.

We talked on the telephone!

Enterprise_1701C

Whatever you do you HAVE to stay in touch with your lender.

You also must attend court if it does come to that, it is the only way you have any chance of staying in your house if it goes that far, if you do not attend it will be found in your lender's favour.

We have been there, we were a fortnight from being repossessed. We attended and stuck to the agreement made.

If you look at the left hand side you will see that we have now paid off the mortgage.

You can get through this, and I wish you the best of luck with it, but you must stay in touch with your lender and do everything asked of you.

fatbelly

As long as the arrangement clears the arrears within the remaining term of the mortgage you should not lose your house.

Look up Cheltenham & Gloucester v Norgan.

You could be given a suspended possession order which keeps you where you are as long as the payments are made.

But in your case I would argue for an 'adjournment on terms' - those terms being the present arrangement. That's one step back from a spo.

Ask the court who runs a court desk on possession days - likely to be CAB or Shelter - and get in touch ahead of time.

But whatever happens you must turn up for the hearing or phone in if you are sick on that day.