Thanks guys! Thank you Honeybee for your help as well

Just a little update... I had my hearing about an hour ago and the judge sided with me and ordered that Santander accept my payment proposal of £150 towards the arrears. I cried as he said it I have been feeling very anxious over the last few days but Ell-enn kept reassuring me and made me feel at ease when I realised there were no duty solicitors to represent me. I was nervous about going in there but it wasn't a big courtroom or anything. Just a small room with a long desk and chairs. It definitely wasn't as scary as I thought it would be. The judge was incredibly understanding as well and gave me some words about my situation which was to be expected. Santander's solicitors sent someone to represent them, which I found a bit weird. He was very nervous himself, even before we got into the Judge's chambers. He was shaking when he was talking to the judge which I found a bit funny. I think I handled it better than him. The judge wasn't happy that he/they had rejected a job offer letter moments earlier so that went in my favour as well. I was worried that in 16 days' time I would be homeless and have to explain to my family but with the help of the lovely people on this forum, my home is safe as long as I STICK TO WHAT THE JUDGE HAS TOLD ME TO DO! If you're in a similar situation then there is always something you can do. I know it might be overwhelming to deal with it but communicating with the lender goes a long way (as long as they are reasonable) and even if it gets to court stages you can still fight it! I am just over £15k in arrears so there is always hope as long as you can prove you can afford the payments and something towards your arrears. Thanks again Ell-enn and CAG

I've just had confirmation that the hearing will be next Tuesday (16th May) at 12 pm. They called this morning and I paid the £14! Unfortunately, there may not be any duty solicitors available on the day. The guy I spoke to was really nice, he suggested I get there around 11 to see if I could speak to someone as he wasn't able to confirm what days they are in. Ell-enn, I'm a bit nervous about having to speak for myself, but should I just stick to what you've written for me in the statement? Will the judge even address me? Happy to get the hearing so soon but feeling a bit anxious now

Hi Ell-enn I just wanted to give you an update. I dropped everything off at the court today. They gave me an envelope so I could drop everything into the box but said it would’ve been collected and actioned as today. Hopefully someone gives me a call tomorrow to take the payment which I’m hoping is £14. I called the court help centre number and the man said it was £275 but when I had spoken to Shelter last night they said it was £14. Really hoping it’s £14 or I’m out of luck. I’m not sure if you saw when I mentioned earlier about accepting the second job offer I received so that Santander have proof that I will be working. Do you think that’s a good idea? It might not even help but it also might I’m really anxious that this might not work and then I’ll only have a few days to pack my stuff. I haven’t started packing yet (I honestly wouldn’t know where to start) but do you think I should? I know you won’t have all the answers sorry but you’d have a better idea than me. I’m so worried that because the job offer is dependent on the security clearance it isn’t guaranteed and therefore not enough.

Morning Can you help me @Ell-enn 10. Tick box for attached witness statement Cross out all options except The Applicant Believes 11 Sign and cross out all options except Applicant Sign and cross out all options except Applicant. Enter your address and contact details i don’t see the applicant believes on question 10 or 11. I selected no for question 11. This form looks different to the one I downloaded earlier so maybe the instructions you gave are for the other version? I think I’ve done it all ok but just wanted to check that with you.

Thank you so much. I will fill everything in and take it to the court. Hopefully I’ll only have to pay £14 but I will call the court in the morning to double check. Thanks so much for your help.

That's great, thank you.

I don’t have a concrete answer for the time it will take for security clearance unfortunately. They said up to 8 weeks but I’ve seen online that it can take much longer in some cases. I think that’s what is going to be the problem. Do you need any info from me for the statement?

OK I will do that. thank you

Actually is it £14? I'm not sure which one I'm doing To defend an eviction order: £14 (N244 application notice) To vary or set aside an order that’s already in place: £255 (N244 application notice)

OK I think I am eligible for help with fees. If not is it £275 to pay? I didn't realise it would be so much and I don't think I can borrow that. I'm on a laptop at the moment so I will do a bit more research and see whether or not I can get the help. I hope so! If you could help me fill it out that would be amazing. I'm not sure what info to put apart from the claim details that came on the letter.

Thank you Ell-enn really appreciate it. I receive working tax and child tax credits. Would I be eligible to get help with the costs? I think I can borrow it (depending on the cost) if I have to pay it up front before Friday.

Hi all sorry for the silence on my part. My financial situation got much worse and I haven’t had access to the internet. I have been on to Santander over the last weeks and had to resend my letter and budget sheet in again. Eventually today they have rejected my offer which is conveniently after they got their confirmed eviction date. I sent my offer in April and increased it to £150 a month to clear the arrears but they have said it’s too late basically. Even though I’ve been waiting over a month for a decision. I’m so annoyed and the lady basically said it’s unlikely the court will agree. I will have access to a computer tomorrow so I am planning on filling out the next form as advised on the eviction letter (set for 8am May 31st). I’m going to try and call the court as well as there was a help number on there. They offer hearings two days a week so I’m hoping I can get an appointment asap. @Ell-enn do you know how much it is likely to cost and do I have to pay upfront or on the day. I won’t have any money until Friday but if I can apply for the hearing tomorrow with no funds that would be ideal. The lady said my offer was rejected due to my payment history and the fact that I don’t have a confirmed start date. I am still waiting for security clearance which is stressing me out. In the meantime I was offered another job so I’m not sure if I should just take that so I can have a confirmed start date sooner. She said it might help or it might not. I would need to send proof of the job offer and income etc. Does anybody think it’s worth trying that? The job with the security clearance has better long term prospects which is why I took it but I have no idea when I will be cleared. The manager who rejected my offer said they would look at my financial history during the security checks and refuse me due to my mortgage although I advised they do not need to check my finances for the level that I will be working at. They didn’t take that into account though. Sorry for the unorganised message I’m just trying to reply quick while I can. thank you.

Is it worth mentioning my son as a reason for needing to stop repossession or will that be better noted on the N244? If you calculated it as £125 then I'm sure you're right. I'll double check

I recall the court order being for £80 something but Santander put me on a better interest rate to help with the payments because my current rate kept going up. I’m expecting the job offer letter today but if it hasn’t arrived in time I will send it in later. They confirmed the email address with me the last time we spoke but I will call to check they have received it once everything has been sent. Thank you for the letter I’ll download it now and take a look. I really appreciate your time.

The normal monthly payment is £458.17. No I don’t have it but I will chase that today. Thank you

I read on other posts that some people were able to get their arrears added to the mortgage. Do you think it’s work asking for that? The arrears amount does scare me. I think I read that after 6 months you can ask to have it capitalised. I did stick to the payments longer than that but I’m not sure if Santander do that. I did ask for it in writing before I went to court last year but I didn’t get a response.

Thank you! Yes I’m ok working with Word. I made a note these details on the weekend, but I was waiting for you to reply before I posted Arrears balance £15,072.86 Remaining term 13 years 5 months To clear arrears over mortgage term: £94.21 = £552.38 The court order was to pay £582.55 which I believe included the interest on the arrears. Once I have a regular income then I’ll be able to manage that comfortably. The income from my own business will hopefully pick up so I’ll have that too to save for any emergencies that come up.

If you could help with the letter that would be great. They told me to email it rather than send in the post. Should I complete the budget with my current income or what I will have after I start my new job? The current one probably won’t show affordability

Hi Ell-enn, No worries thank you for responding. Honeybee did let me know you'd be in touch Yes it is only my name on the mortgage. I looked through the forum and saw that I need to submit a N244 form (I think those are the correct numbers). If you could help with that, that would be amazing. Would I do that now or wait till the eviction notice comes through? I have started to go through a budget sheet and the good news is I have now been offered a new job. The only problem is I have to pass a DBS check first which they said could take up to 6 weeks. I am still trying to find something temporary in the meantime but I wasn’t sure which figures I should put on the budget sheet. I was told to complete a budget sheet to, send an email with the job offer letter (which I’m waiting for) and also state the reason for not sticking to the court order. I’m again HOPING this can stop the eviction as they said a manager may be able to do that. However I’m worried about the time it might take to actually start the job. Will they be willing to give me another chance without a guaranteed payment date? I know you probably won’t be able to answer that but if you’ve had any experience or seen something similar maybe I can put my mind at ease a bit. I haven’t spoken to them in a couple of weeks because I’m so scared just waiting for this letter to come in the post and trying to sort out stable employment.

Thank you. I'm reading through them now!

Thank you Honeybee. I'll take a look tonight. I'm hoping someone would have gone through something similar and got through the other side ok. Thanks again

If I’ve read this right does that mean there won’t be another hearing in court. Now that they’ve applied will I just be sent an eviction date in the post?

Hello Honeybee oh thank you for that I really appreciate it. I’m trying not to panic but it’s quite scary and I don’t know what I’d tell my family if I lost my house or where I’d go with my son. Thank you in advance Ell-enn for any advice you can give.

Hi I found this website and was wondering if someone could give me some advice on what is going to happen. I received a letter from Santander solicitors as I have fallen behind on my mortgage payments again after I got a suspended possession order last year. I’m self employed and business has been really slow since December so the money hasn’t been there. Stupidly I haven’t spoken to Santander since January so they weren’t up to date with everything. I’m currently looking for full time employment so I can have guaranteed money coming in every month but until I do things will still be tight. sorry for the long story but I’m wondering what will be the next step if I can’t make an arrangement with the bank. They said if I can show affordability they may be able to stop the repossession but I need a job first. I read the pdf at the top of this forum but I’m not sure which section would apply to me or is that only to be used before this stage? Also would the next letter be an eviction date or would I get the opportunity to go to court again? I’m hoping I can get a job by then and have something to show the judge to say I can keep to the payments this time. any help or advice would be much appreciated. Thank you.