Hi Ellen, sorry for the delay today, my internet connection was playing up this morning. I spoke to the solicitors and they were no help, I then called capstone and for once I got a human with compassion. I don't think he could understand why they had gone for eviction when the last 7 months have been paid. He cancelled the eviction straight away. I am so relieved I called the bailiff and even he was nice, he said to call him next week and he would confirm that it had been cancelled with him. Thank you for all your help and positive advice, it really was appreciated.

Hi Ellen, sorry for the delay today, my internet connection was playing up this morning. I spoke to the solicitors and they were no help, I then called capstone and for once I got a human with compassion. I don't think he could understand why they had gone for eviction when the last 7 months have been paid. He cancelled the eviction straight away. I am so relieved I called the bailiff and even he was nice, he said to call him next week and he would confirm that it had been cancelled with him. Thank you for all your help and positive advice, it really was appreciated.

thank you i feel more positive now.....if it went in our favour would the eviction just be postponed or would it be like another suspended order again?

thank you i feel more positive now.....if it went in our favour would the eviction just be postponed or would it be like another suspended order again?

Hi Ellen, I don't think the arrears add up, but until I get a stmt from them I cannot check back. I think I have missed 1 pymt since the suspended order has been in place and 2 prior to that . Sorry I cannot be more sure. Do you think its worth me phoning them or the solicitors tomorrow?

Hi Ellen, I don't think the arrears add up, but until I get a stmt from them I cannot check back. I think I have missed 1 pymt since the suspended order has been in place and 2 prior to that . Sorry I cannot be more sure. Do you think its worth me phoning them or the solicitors tomorrow?

Thank you and yes I will keep checking, I think the last letter I had that stated a figure it was about £5k but the recent correspondance from them hasn't had a figure on. I have in the past asked for a statment from when the mortgage was taken out but to date I havn't received one. To be honest I need to sort through things as this has come by complete surprise today. Is it worth me calling the solicitors tomorrow as well? their letter said to email an offer which I did, but they didn't even reply to me. It said its not too late to make an offer so I offered the monthly payment plus £100 suspended order plus £100 on top of that.

Thank you and yes I will keep checking, I think the last letter I had that stated a figure it was about £5k but the recent correspondance from them hasn't had a figure on. I have in the past asked for a statment from when the mortgage was taken out but to date I havn't received one. To be honest I need to sort through things as this has come by complete surprise today. Is it worth me calling the solicitors tomorrow as well? their letter said to email an offer which I did, but they didn't even reply to me. It said its not too late to make an offer so I offered the monthly payment plus £100 suspended order plus £100 on top of that.

sorry Ellen I think I misunderstood your last question, yes there are arrears charges and I am also charged £115 every month.

sorry Ellen I think I misunderstood your last question, yes there are arrears charges and I am also charged £115 every month.

Hi Ellen Yes the mortgage is joint. My partner is self employed and hasn't had as much work as usual, things are starting to pick up and we have maintained our payments so we have demonstrated that we can afford the payments. Yes I think they are trying to claim all the arrears but to be honest when you phone them everyone tells you different info. I will ensure I get the forms to the court on friday so if you could tell me what to put on the form that would be really helpful. Also my youngest starts school in september so I will be looking for work myself as well. Do you think its worth calling the FOS as well? Many thanks

Hi Ellen Yes the mortgage is joint. My partner is self employed and hasn't had as much work as usual, things are starting to pick up and we have maintained our payments so we have demonstrated that we can afford the payments. Yes I think they are trying to claim all the arrears but to be honest when you phone them everyone tells you different info. I will ensure I get the forms to the court on friday so if you could tell me what to put on the form that would be really helpful. Also my youngest starts school in september so I will be looking for work myself as well. Do you think its worth calling the FOS as well? Many thanks

Thank you so much. I have my mortgage stmt from capstone which shows Feb, March, April and my bank stmts will show the other 3. The £20 a week was agreed over the telephone, and the rep gave me their banking details for a standing order to be set up. I have been making the £20 every friday, the other payments have sometimes been late as the 1st of the month is awkward for me, but capstone refused to change the payment date to a suitable one. I find it so hard to believe that I have been making my payments and they are still trying to evict me. I'm worried as 1 don't have long to sort this out.

Thank you so much. I have my mortgage stmt from capstone which shows Feb, March, April and my bank stmts will show the other 3. The £20 a week was agreed over the telephone, and the rep gave me their banking details for a standing order to be set up. I have been making the £20 every friday, the other payments have sometimes been late as the 1st of the month is awkward for me, but capstone refused to change the payment date to a suitable one. I find it so hard to believe that I have been making my payments and they are still trying to evict me. I'm worried as 1 don't have long to sort this out.

Hi, I am sorry to hijack someone elses thread but I cannot seem to start a post myself. Any help would be appreciated, here I go.... We had a suspended order on our mtg for our normal monthly payments plus £100. We missed a payment before xmas and I spk to capstone and agreed to pay an extra £20 a week towards the arrears, I have paid the last 7 payments plus kept to the £20 a week. About a month ago I was surprised to receive a letter from Glenisters solicitors saying that they were going for repossession and to contact them. As my phone was off I emailed them with my offer (their letter said I could contact via email) I had no reply and today I have received an eviction notice for 14/7. I;m really scared and don't know what to do. Seems really unfair as I have made the last 7 payments plus £20 weekly.SPML have not wanted to help at all, they wouldn't add the arrears to the mtg or swop to interest only for a time to help me out. I have 2 children one of whom is autistic and I dread to think what the change in routine for her would do. Do you think it would be worth me reporting this to the FOS? I would really appreciate any advise, I really cannot lose my home.