I was in court this morning to stop the eviction and we won! I thank God for the wonderful people here especially Ell who spent valuable time helping me draft the N244 statement and provide very useful information. I stumbled on this site while searching for help and read a lot of threads about people with similar problems. I was a bit worried due to the size of my arrears but the one thing that swung it in my favour was that I paid the £2,500 I offered the bank before the hearing. I only paid it on Saturday because Kensington were stalling and didn't want me to make the payment. They kept on promising to make a decision on my proposal but never came back. When I called them and offered to pay the £2,500 on Friday, they said I should wait till after the hearing before deciding whether to pay or not. But I read here when one forumer said they made a payment and the judge saw it as a good gesture, so I made a debit card payment on Saturday so that it will record before my hearing today. After listening to both sides of the story, the judge acknowledged that my paying the £2,500 was a good gesture and that it shows my reliability in meeting my commitments. Kensington really wanted my property. Even this morning, their representative asked them whether the £2,500 payment changed anything, and they said no that they are going ahead. They were intentionally delaying giving me any feedback on my proposal and never really wanted any amount less the full arrears which they probably knew I didn’t have. Judge suspended and accepted my proposal of additional £200 to clear arrears. Praise God! I thank Ell and the team, and all who contribute to this site. I will be showing my appreciation with a contribution today. You are saving many lives and you deserve all the support. God bless you all!

I was in court this morning to stop the eviction and we won! I thank God for the wonderful people here especially Ell who spent valuable time helping me draft the N244 statement and provide very useful information. I stumbled on this site while searching for help and read a lot of threads about people with similar problems. I was a bit worried due to the size of my arrears but the one thing that swung it in my favour was that I paid the £2,500 I offered the bank before the hearing. I only paid it on Saturday because Kensington were stalling and didn't want me to make the payment. They kept on promising to make a decision on my proposal but never came back. When I called them and offered to pay the £2,500 on Friday, they said I should wait till after the hearing before deciding whether to pay or not. But I read here when one forumer said they made a payment and the judge saw it as a good gesture, so I made a debit card payment on Saturday so that it will record before my hearing today. After listening to both sides of the story, the judge acknowledged that my paying the £2,500 was a good gesture and that it shows my reliability in meeting my commitments. Kensington really wanted my property. Even this morning, their representative asked them whether the £2,500 payment changed anything, and they said no that they are going ahead. They were intentionally delaying giving me any feedback on my proposal and never really wanted any amount less the full arrears which they probably knew I didn’t have. Judge suspended and accepted my proposal of additional £200 to clear arrears. Praise God! I thank Ell and the team, and all who contribute to this site. I will be showing my appreciation with a contribution today. You are saving many lives and you deserve all the support. God bless you all!

Thank you very much Ell. I attended the court this morning and got a hearing for Monday. I will let you guys know the outcome of my hearing. Many thanks for a wonderful job you are doing here.

Thank you very much Ell. I attended the court this morning and got a hearing for Monday. I will let you guys know the outcome of my hearing. Many thanks for a wonderful job you are doing here.

If they can strengthen my case for suspension of eviction.

If they can strengthen my case for suspension of eviction.

Thank you very much Ell. I am very grateful. Am not sure if it would help to mention the fact that my mum just had operation for Cancer treatment just over a week ago and she is staying in my house? Got letters from hospital. Would it useful addition to appendix? Also got a letter in October 2010 where the bank offered to capitalise the arrears but it expired in 14 days before I could get the documents to my wife to sign. Again, would it be a useful addition to the appendix?

Thank you very much Ell. I am very grateful. Am not sure if it would help to mention the fact that my mum just had operation for Cancer treatment just over a week ago and she is staying in my house? Got letters from hospital. Would it useful addition to appendix? Also got a letter in October 2010 where the bank offered to capitalise the arrears but it expired in 14 days before I could get the documents to my wife to sign. Again, would it be a useful addition to the appendix?

Thanks a lot Ell. Really appreciate your help.

Thanks a lot Ell. Really appreciate your help.

Just tried calling the bank to see if my proposal has been considered and I was kept on the phone for a while and when the agent eventually came back on the phone he said it would be latest Thursday. I told him I was told latest Wednesday, but he said it cant be guaranteed. I think I want to seek emergency hearing tomorrow. Dont like the idea of waiting til Friday.

Just tried calling the bank to see if my proposal has been considered and I was kept on the phone for a while and when the agent eventually came back on the phone he said it would be latest Thursday. I told him I was told latest Wednesday, but he said it cant be guaranteed. I think I want to seek emergency hearing tomorrow. Dont like the idea of waiting til Friday.

Thanks a lot Ell. I will complete the budget sheet. Yes I have a printer and tomorrow is perfect. Many thanks again.

Thanks a lot Ell. I will complete the budget sheet. Yes I have a printer and tomorrow is perfect. Many thanks again.

Just worked out total charges (less charges in 2010) is £3,454. I can't seem to find my 2010 statements but estimated 2010 charges would be in the region of £300. Still need help with a statement for the N244.