Hello - I am wondering if anyone can advise me please (after reading some previous posts/replies on here it lifted my spirits to know that people care). I have a mortgage taken out April 2007 for £120k at 5% plus LIBBOR .Repayments at outset were £1450 and are now (> July 09)£888.For various reasons (mainly lack of cash) the arrears stood at £25k approx in Nov 08 !! However i got myself sorted out worked hard and i successfully delayed two eviction dates (in court) by getting as much cash as i could to them. On May 11th 09 the arrears figure was down to £6k approx - This was not done by regular monthly payments but lump sums along the way .The last suspended eviction terms (March09) were £500 a week (inc contracted payment).However have struggled again of late and arrears are now upto £9995.This figure when drilled down is possibly made up of around £2500 in charges (Monthly arrears fee.legal charges etc) I would like to make a payment of £1000 this week (Thursday).I will submit a "form to suspend" tomorrow and hopefully have a hearing Thursday /Friday. My circumstances changed since March 09 as my wife is sadly now unemployed. My record does not show regular monthly payments but have reduced the arreas from the peak of £25k - £6k at one stage. The B/S are generally very unhelpful !! Should i write to them tomorrow with a proposal ? What is capitilisation of arreas ? The house is freehold with a value of £145 -50k.The amount showing on last statement (one month ago) is £135k to repay everything. I am not that good at composing letters etc plewase can anyone advise me- I REALLY WOULD APPREACIATE IT - as i want to hang on to our home. My salary now (2 jobs) is £2100 approx nett pm. I feel better having put everything in writing . Kindest Regards Mark I may not be able to get to a computer till tonight.

Hello - I am wondering if anyone can advise me please (after reading some previous posts/replies on here it lifted my spirits to know that people care). I have a mortgage taken out April 2007 for £120k at 5% plus LIBBOR .Repayments at outset were £1450 and are now (> July 09)£888.For various reasons (mainly lack of cash) the arrears stood at £25k approx in Nov 08 !! However i got myself sorted out worked hard and i successfully delayed two eviction dates (in court) by getting as much cash as i could to them. On May 11th 09 the arrears figure was down to £6k approx - This was not done by regular monthly payments but lump sums along the way .The last suspended eviction terms (March09) were £500 a week (inc contracted payment).However have struggled again of late and arrears are now upto £9995.This figure when drilled down is possibly made up of around £2500 in charges (Monthly arrears fee.legal charges etc) I would like to make a payment of £1000 this week (Thursday).I will submit a "form to suspend" tomorrow and hopefully have a hearing Thursday /Friday. My circumstances changed since March 09 as my wife is sadly now unemployed. My record does not show regular monthly payments but have reduced the arreas from the peak of £25k - £6k at one stage. The B/S are generally very unhelpful !! Should i write to them tomorrow with a proposal ? What is capitilisation of arreas ? The house is freehold with a value of £145 -50k.The amount showing on last statement (one month ago) is £135k to repay everything. I am not that good at composing letters etc plewase can anyone advise me- I REALLY WOULD APPREACIATE IT - as i want to hang on to our home. My salary now (2 jobs) is £2100 approx nett pm. I feel better having put everything in writing . Kindest Regards Mark I may not be able to get to a computer till tonight.