Hi No I didnt as I would be short of money for the rest of the month. The Nottingham phoned me again today to say they have accepted my offer of £100 ontop of my monthly payment to clear the arrears. I am still going to the hearing tomorrow though.

Will email as soon as I get back from shops

Hi Ell-enn, I got my days mixed up and will drop the papers in on Friday or can I post them in? Answers to questions below: 1) I was made redundant from work in August 2011 and spiralled into Depression (which I have suffered with for a long time and have even been hospitalised with). I did manage to find a new job which commenced October 2011. As I had not paid my mortgage for a few months I was petrified to contact them and as they didnt contact me I forgot about it. I didnt hear from my lender until May 2012 when they contacted me by telephone about payment. I was relived and I agreed to send in a Direct Debit mandate and a budget sheet which I sent to them in June 2012. As far as I was aware the Direct Debit had been set up and they have accepted my proposal. The next thing I knew I received a letter about a court hearing (this was received out of office hours so I couldnt phone them). The letter stated I should phone them and I phoned the day after I received the letter only to be told only to be told as they had received a court date it was too late to stop the action and they could only stop it if I paid the arrears of £5k in full. They told me they had not received my paperwork and I asked why they didnt phone me as they had phoned me before. This year I have also suffered 3 bereavements. Do you need the dates for these? I am also Dyslexic and struggle to get organised and often get dates etc mixed up and need longer to complete forms etc. 2) Yes the mortgage is in my name only. 3) There are no children living at the property but my 84 year old father has been living with me as I am his sole carer and he has been in and out of hospital. 4) I have not made a payment recently but plan to do so on the 27th July as I have asked for my monthly direct debit to be taken on the 27th of each month and have sent in another direct debit mandate. 5) The mortgage lender is The Nottingham Building Society.

Hiya - I have finished it. I plan to drop the papers to the court on Tuesday - does that give you enough time to help me with the forms?

Hi - I have started it but it will take me a bit longer than usual as I am Dyslexic. I will email it to you tomorrow. Thank you so much for your help.

Quick question - should I pay an installment before the hearing or wait?

I will do that - thank you. I have 12 years left and yes its in my name only.

OH wow Ell-enn thank you so much. Im still in ears but feel so much better. I can defineatly afford the mortgage and something extra but dont want to set myself up to miss a payment. IS it better to complete the form online as they have sent me a log in to do this?

Phew! Ive sent of my direct debit form and asked for the payment to be set for the 27th so a payment will go out before the hearing so I hope that helps me. I just hope I dont loose my house.

Thank you for responding. Yes I can afford present mortgage with a £200 max extra but id rather do £100 to maintain some normality but if they decide on £200 I will pay it. What are my chances? I have been ill with depression and was hospitalised because of this but I am back on track now and working full time.

Please can someone help me? I have been crying all morning and am worried sick. I received a letter this morning from court for a hearing on the 02.08.12 'Claim form for Possession of Property. My mortgage company contacted me at the end of May to re-set up a direct debit. I returned the forms and assumed everything was OK. I called them on Monday to ask why my Direct Debit had not been taken and they said they didnt receive the forms but i now have received a court date so I'm was too late and have to pay my arrears in full else court They are just over £5k and I cannot afford to pay in full. I offered £200.00 a month on top of my monthly mortgage payment of £392.00 but they refused. I asked them to resend the forms again which I received yesterday upon my return from work. I have sent the direct debit form back recorded delivery today. What will happen to me in court? Will I loose my house? I am petrified as I have 7 dogs and m father who is 84 lives with me as I am his full time carer. Please help me.