Hi All, I was wondering if you could provide some advice please. We took a mortgage out on our current property with Mortgage Express back in 2003. From then until 2009 we made EVERY payment ontime, every single month. in September 2009 we hit some financial difficulty and I phoned them to see if I could request a 1 month holiday payment. I was advised yes I could and it would be added onto the end of the mortgage and a need to reschedule payments would not be needed. Superb. No need to cancel the Direct Debit, nothing at all. About a year after that we started to receive phone calls and letters telling us we were in arrears. I explained the situation and they denied all knowledge of what I had been advised. They knew Id asked over it, yet did not agree they had said anything of the sort. I asked them to produce a copy of the phone call that took place, however they "cannot find it" - Roll on until 3 months ago, the odd phone call here and there, me explaining the situation, them denying it. 3 Months ago, I phoned them and advised that I was sick of letters and phone calls I will agree to start to repay them. I went through a financial breakdown with them, (which with 5 kids is near on impossible) as i offered 50 pounds per month on TOP of my mortgage to reduce my arrears. They said that I couldn't rely afford that, as my outgoings were more than incomings, (they never are - however when someone asks you how much you spend on kids shoes per year - what do you say). I argued with them and told them I could afford that. They told me then could I cut costs in other places and get back to them. To be fair we havent heard anything since today.... In all the time we have and still are continuing to pay the monthly amount on time. tonight I come home to 2 crappy typed up letters, one addressed to the "Tenant" and one to the "Occupiers" telling me that Proceedings to Re-Possess our house have commenced, and I am due in my local court at the end of May. Can someone please advise me here on where I stand. Does this need to go to court?, Can it go to court? - If I have offered payments to reduce arrears and argued the toss with them, how can this be the next stage. We simply dont want to lose our house and we are absolutley petrified with rage. Any advice, comments, tips would be MORE than appreciated. Many Thanks B Pool.

In January 2011 i went to court after falling into arrears during a serious illness, a suspended repossession order was placed on my property after i had repaid 3/4 of the arrears prior to attending court and a payment plan was agreed via the courts. At the time Wragge and co were the legal reps for future mortgages. There were numerous issues regarding the handling of my case via the solicitors as payments went missing and months later were found in their holding account, I also questioned why my account balance never appeared to reduce also a number of medical evidence document had been sent and allegedly not received, although on one occasion I was informed the documentation had been received and applied to my account, two weeks later the documents miraculously were no where to be found. The mortgage company referred me to their representatives who in turn weren't interested. Due to stress I had a number of small strokes. With the assistance of family I continued to complain about the mishandling of my account, but still nothing changed. In April 2013 Wallers solicitors took over representation for future mortgages. In may 2013 my account was assessed and found that my account had been mishandled (incorrect charges,interest rates and missing payments) and just under £25,000 was removed from the balance of the account. After discovering this I requested details of the whole account and explanations as to why it had taken so long to be looked at .No real explanation was given. A few months later I was diagnosed with secondary cancer and had another stroke, the solicitor asked for updated medical evidence ,which was sent and allegedly not received. While in hospital Wallers instructed an outside agency to visit my house, at no time did they post a note to say they had visited and wished to meet with me, instead they spoke to my neighbours asking questions about my health and personal situation ,even discussing the possibility of my house being repossessed, surely this is a gross breach of confidentiality? In late October 2013 the solicitor requested yet another medical evidence form, the hospital sent one to the solicitor and one directly to the mortgage company. The mortgage company confirmed in writing that they had received the document ,this letter of confirmation was dated 29/11/13 also on the same date they sent a second letter informing me that my account was being transferred to another company, who would contact me after December 16 with details of payment etc. Today I received three letters from the solicitor, one was a form informing the court that wallers now represented the mortgage company and the other two informed me that wallers had applied to the court for a possession order and the court would notify my of the date and time of eviction. I was in hospital receiving chemotherapy at the time of receiving these letters, but now have discharged myself to enable me to try and deal with this mess. To say Its stressful is an understatement. The eviction could take place within days of christmas,I have a young son and an elderly mother who are already worried about my health. Im sorry for such a long winded explanation but I am at my wits end worrying about this. It seems so unfair that after I did everything they asked they do this. Surely if they can send someone to speak to my neighbours they can arrange for someone to visit me to discuss the account. I have sent emails to the solicitor and the mortgage company begging them to reconsider and discuss possible options. Am i being naive or is there a possible light at the end of the tunnel.