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?

Yes, I was expecting ebay to be as useful as a chocolate teapot. No sign of any label yet and 3.15pm in China. They will probably send at last minute tomorrow, or just waive the postage.

OK, there are no instructions with the forms received. Do I need to take out my own N244 to make the objection or just attend the hearing?

"Certainly not on papers only" to what part of my questions? The loan period expired this month.

Yes, fought off around 8 eviction warrants. On what grounds can I object and can I do this online without going to court?

Last Monday I received a Notice of Hearing, that next Monday (6th March) Blemain have requested, listed to allow 15 minutes. The N244 asks that the application be heard without a hearing before a District Judge and requests: 1. Permission for a warrant of possession to issued for the full outstanding balance pursuant to CPR 63.2. 2. As more than 6 years has elapsed the Claimant requires permission of the Court for a Warrant of Possession to be issued. The Claimant relies on the attached witness statement of xxxxxx xxxxxx all dated xxxxxxx. 3. We ask that this Application be made without notice being served on the other parties further to CPR 63.2 (5) Are they issuing this because the old order is elapsed or is there something I should worry about? Is there anything I can or should do about this? They have made a number of incorrect claims in the Witness Statement such as not payment from me for several months when I have made one or two payments every month, last made on 6th and 26th January, and 24th February. During the last three months, I have had to spend £3,000, repairing a roof, drain, replace a washing machine and front door lock, and with covid I have being pay them less than agreed, but I am still trying to make some form of payments to Blemain.

Just an update. Some Chinese sellers really don't like doing refunds, do they? They provided a valid tracking reference, but a fake barcode on the label. Then when Ebay forced them to the correct this, they highlighted the tracking number which blocks FedEx being able to process it. So Ebay said on Friday, "No worries, for now, I will send an email to the seller for them to send you a correct label until February 28 and I will hold the case as well. This is now a final warning to the seller. If they failed to send you a correct label, we will refund you without returning the item on March 1." Thanks again to just_jue for showing me how to contact Ebay.

Genius, so easy and obvious to everyone. 1. Login to Ebay 2. Open Help and Support page 3. Scroll down to the bottom to Policies and open 4. Go all the way down to Have Us Call You Back So obvious Ebay. Thank you, just_jue,

I managed to have an online chat last week and would be more than happy with that. I don't know where I am going wrong? 1. I log in to my account. 2. I go to Help and Support 3. I select the item I am trying to return and get three options - view/change feedback, contact a seller or check status of return, which I select. 4. View Request Details. 5. Close case or add tracking details. There is a Help and Support option at the bottom of the page, but this will take me back to 2. This website is so badly designed or is it just me?

Thanks just-jue, I think giving me customers the runaround is why Ebay sides with them. Any ideas on a good telephone number for Ebay that works?

Thanks, but whereever I look I can't find Disputes. I suspect this is because Ebay considers there is no dispute - they have ok'ed a refund, the seller has issued a label. Ebay messaged me to say: We have reviewed this case and decided in your favour. You should return the item to the seller for a refund. We're sorry you had a problem with your purchase. You need to send the item back to the seller by 03 Mar, 2023 to receive this refund. You must send the item with tracking information. The seller's delivery address and postage instructions are available on the case details page. Please don't forget to enter the tracking information there. We'll issue you a refund once tracking details confirm that the item has been delivered to the seller. This has a link that gives me two options - to add tracking details or close the case. I just need to check the label is now valid and if any importation documentation is required to show what I am sending and its value.