Hi all, Thanks for your help especially Ell-en, who has been helping me through PMs. Just back from court and it is now Blemain 0 - Michelle 10 when it comes eviction notices. Fortunalely, Blemain always fly Ryanair when it comes to solicitors and would you want Michael O'Leary representing you? This budget 28 year old, going on 12, who I'm sure will enjoy an amazing career in conveyancing, totally mucked up their case and we ended up paying £1,200 less than we were offering over the next three months. Thanks, Michelle

Thanks Honeybee, that's great.

No and Blemain have realised this with all proposals that the full balance was going to extend the term of the mortgage and I read the judge can do this. A judge can sometimes change the terms of your mortgage agreement with a time order. They could change the: amount you pay each month term of your mortgage interest you pay

Yes, I've drafted one and I wanted to PM you it to check, as I didn't want it viewable by Blemain - in case they ever sneek a peek at this site. Ten months left on the mortgage.

Thanks dx100, I'll try her in a moment. We can provide bank statement to show we can afford it.

We last went to court to stop an eviction in Feb 2019 and agreed monthly payments plus £200 a month towards the arrears and a this was maintained for a year when the pandemic started which deeply affected the income of our business which was the main source of our income. During the summer of 2020 we were able to make payments of £4,000, but this could not be maintained. From April 2021 we managed to make payments for a year that maintained monthly payments and didn't reduce or increase the arrears. In April last year we agreed monthly payments of £1,000 with Blemain and this was maintained for 4 months before we struggled. We still made smaller payments every month, but we faced repairing an extension roof, replacing a washing machine and drainage/door lock repairs amounting to nearly £4,000. We made payments this month for £1,600 bringing the arrears down to £10,000 and we can now comfortably manage monthly payments of £1,000 per monthly (reducing the arrears by £465 a month) as we now receive pensions in addition to our business income.

They issued a Notice of Eviction

Hi, back again after 10 years. I have to drop off an N244 to the Court on Tuesday for a hearing the following Tuesday and need a little bit of help in case I say the wrong thing.

That would be a shame, but they shouldn't mess people about!!!

Hi, rec'd credit back on card today after eBay forced the refund. Many thanks.

Thanks, I couldn't get everything together to post yesterday, so I will send today and email the details to the court as well.

Thanks Andy, The article, which is now nearly 3 years old, appears aimed more at the rental market, while I assume it refers to all possession orders. Which part did you think affected me as a "homeowner"? With the hearing on Monday, I was going to write to the Clerk of the Court today to explain my husband and I had just got over flu and would not wish to infect anyone by attending. I intended to enclose proof of payments made to Blemain and payments of £2,781 made in last 3 months on home repairs, along with an offer to continue realistic payments until the debt is cleared. Should I email this to Blemain as well? In their Witness Statement Blemain ask for the Warrant of Possession to be valid for 12 months. Should I be concerned about this short period. Many thanks, Michelle

When I received the application I read it as reactivating the Suspended Possession Order as this has now expired and, like you, I cannot see the court refusing the application. As, it's the loss of half a day, is there any problem if I don't go and try and make some money instead? It says I should attend, it doesn't order me to.

Yes, it reads: Take Notice that the Application Hearing will take place.........when you should attend. It is listed for 15 minutes and the plaintiff has requested the application be dealt with without a hearing.

Sorry, if I am a little ignorant on court procedure, but can I just turn up at the hearing or do I need to advise the court? I understand what you are saying, but by deferring it, so they have to pay someone to present their case, aren’t I just increasing the costs which I will be responsible for?