repossession

pinkdragonflies

i was wondering if anyone can help or have any advice, i really hope someone can, we had a court order for repossession and we were allwoed to stay in the house, since then my partner took really ill and needed many operations, he is now back to full health but we have missed mortagae payments as i had to look after him, i wrote to the bank and they sent me a new direct debit form and then today i recieved an eviction letter, i am so scared now, we are at last back to normal my husband has his health again and is now fine and we have a steady income again from this month the bank never rang us to say this was happeneing or to see if we could pay the arrears etc, just an eviction order, are there any special things that can be done in circumstances like this as we are now better off per mth than we have ever been. i just dont know what to do please advise anyone, thanks

pinkdragonflies

i was wondering if anyone can help or have any advice, i really hope someone can, we had a court order for repossession and we were allwoed to stay in the house, since then my partner took really ill and needed many operations, he is now back to full health but we have missed mortagae payments as i had to look after him, i wrote to the bank and they sent me a new direct debit form and then today i recieved an eviction letter, i am so scared now, we are at last back to normal my husband has his health again and is now fine and we have a steady income again from this month the bank never rang us to say this was happeneing or to see if we could pay the arrears etc, just an eviction order, are there any special things that can be done in circumstances like this as we are now better off per mth than we have ever been. i just dont know what to do please advise anyone, thanks

, i hope people dont see me as bad, i am sure some will, i know if i dont pay the arrears then we will be out on the street.
the story goes like this, my partner took ill 2 years ago, (we have lived in the house 4 years this year) he had to start dialysis and wait for a transplant, i had to take so much time off work sick myself with stress and depression to help look after him, we struggled and missed some mortgage payments, the bank took us to court for a repossession order, taht we didnt even know about as we were in hospital, we were allowed to stay as long as we kept up the payments, then my partner was ill again(until he had his transplant we couldnt guarentee when he wouldint be ill)we missed some payments then we had the call, a kidney was found, the transplant was a sucess, but we missed some mortgage paynments all my fault but at the time my partner was so ill at times i didnt know what to do, he is now like any normal man! back to full healt and this month i returned to work full time so we can afford to pay the mortgage again, then today we had a letter to say the bank had applied to a solicitor to evict us, i am gutted, i havent told my partner any of this as he has been through enough, he said i was his rock for the past 5 years and now i am just going to let him down, the benefit system in this country didnt help when he was first ill his doc told him he has to stop work due to ill health and he went from earing £1000 to just over £200 and we coped the best we could, but without my money when i had to look after him, we have ended up in this mess, i am so scared and feel like i shouldnt be hear i have never felt so worried in all my life, i hope someone can advise or help, thank you x

Merlot

Hi again,

I have re-read you post, the first thing you should do is phone the bank, and tell them you can pay the mortgage this month, how many months in arrears are you?

Merlot

I have found this, PLEASE read it, it may be of some real help.

http://england.shelter.org.uk/advice/advice-2901.cfm

pinkdragonflies

6 in total, i rang and explained and they said we could have a 6 mth break and add it to end of mortgage and to send of d debit details, i did, and then i recieved this letter! i am so scared of ringing them in case they kick us out tomorrow! i have kept all this from my partner as i didnt want his to stress as he has been through enough, what a let down i turned out to be!

Merlot

http://england.shelter.org.uk/files/seealsodocs/25368/MortgageArrearsGuide.pdf

Pink, read this and phone the number on this website tomorrow, shelter is a charity and they can advise you, they are open from 8.00am in the morning.

Merlot

Pink, you say eviction letter, have you already been to court, or do you have a court date?

a11waysindebt

Hi,
Did you take out any insurance to cover yourself against this type of thing happening

pinkdragonflies

thanks for the messages already, i hope people dont see me as bad, i am sure some will, i know if i dont pay the arrears then we will be out on the street.
the story goes like this, my partner took ill 2 years ago, (we have lived in the house 4 years this year) he had to start dialysis and wait for a transplant, i had to take so much time off work sick myself with stress and depression to help look after him, we struggled and missed some mortgage payments, the bank took us to court for a repossession order, taht we didnt even know about as we were in hospital, we were allowed to stay as long as we kept up the payments, then my partner was ill again(until he had his transplant we couldnt guarentee when he wouldint be ill)we missed some payments then we had the call, a kidney was found, the transplant was a sucess, but we missed some mortgage paynments all my fault but at the time my partner was so ill at times i didnt know what to do, he is now like any normal man! back to full healt and this month i returned to work full time so we can afford to pay the mortgage again, then today we had a letter to say the bank had applied to a solicitor to evict us, i am gutted, i havent told my partner any of this as he has been through enough, he said i was his rock for the past 5 years and now i am just going to let him down, the benefit system in this country didnt help when he was first ill his doc told him he has to stop work due to ill health and he went from earing £1000 to just over £200 and we coped the best we could, but without my money when i had to look after him, we have ended up in this mess, i am so scared and feel like i shouldnt be hear i have never felt so worried in all my life, i hope someone can advise or help, thank you x

pinkdragonflies

we went last year for a possession order, but it wasnt granted due to my partner being unwell, as long as we continued to make payments, then we couldnt when he took ill again before his transplant

pinkdragonflies

we werent accepted for the cover as my partner had a previos transplant when he was 17! so they wouldnt accept him! great!