Tilly V mortgage express repo

[kennythecelt]

Hi Tilly,

 

My wife used to work in a homelessness unit. I will get her to check this thread over for advice for you. That means you should get pretty good advice on that side of things as well.

 

Her name is Mrs Kennythecelt, BTW. :o

[kennythecelt]

Hello again

 

Mrs KTC will check things over tonight Tilly.

 

I have just phoned the Housing Corporation who regulate and sort out funding for housing associations in England. Home : Housing Corporation and spoke to their Enquiries Team. I was told that Housing Associations have the power to buy a home such as yours where the owner has mortgage difficulties and is facing repossession. It means that the family does not have to present to the local authority as homeless, which costs an awful lot and the association increases its housing stock. That seems initially like good news, but......

 

Each housing association is different as they are in different areas with different housing needs. But, if they have a need for a house like yours in an area where they need to buy homes for their long term plans, then they might be interested. They are not for profit organisations and have a social consience, meaning a fairer price is more likely and you are more likely to pay off most of the outstanding mortgage.

 

Tilly, this would need to be done very quickly and means that the list of Housing Associations I posted earlier need to be contacted and asked if they would be interested in buying your house in view of your circumstances. Have you got someone you can trust to do that for you?? I am aware that this is happening late in the day and you have so much else on.

 

Please don't get your hopes up on this as I don't want to do that to you. Its just that I have found the information out and it might be something that perhaps, could work. If you know what I mean??!

[**Tilly**]

Helloooo Kenny

 

i won't get my hopes up, i have also rang the estate agents and have asked them if they know of any housing associations buying property, they are going to make enquirys and get back to me, mean time im on the phone ringing the numbers in the link

[kennythecelt]

You need to speak to someone in their development teams. They will have staff who acquire property, develop their stock.

 

Some of the specialist housing associations ie for special needs might not be interested as they need houses for the particular needs of specific tenants so concentrate on the bigger associations first, they have more budgets.

 

Here's the link again for easiness.

 

http://www.northampton.gov.uk/downloads/HousingAssociationNewContactList.pdf

[**Tilly**]

So far

 

1 getting back to me

12 build their own

1 no cash

3numbers unavailable

 

i have rang all 17 numbers

anything is worth a try, if you dont try you dont't know

 

Edited May 13, 2008 by **Tilly**

[kennythecelt]

Forget that idea then, so very sorry Tilly.

 

It looks like there are no alternatives, I'm afraid.

 

We need to concentrate on the court issue and making sure the Council rehouse you in the area you want.

 

Again, apologies.

[TideTurner]

1 getting back to you - keep that iron in the fire

[**Tilly**]

Noooo kenny you have nothing to apologise for it was worth a try.

[**Tilly**]

Just had a call from the estate agent have got a viewing tomorrow :o

[sea-sidelady]

Thats fantastic Bill, Fingers are crossed for you!!

[**Tilly**]

Thats fantastic Bill, Fingers are crossed for you!!

 

 

Mwahhhhhhhhhhhhh xxx

[**Tilly**]

received a mortgage statement this morning

 

Solicitor costs £462.63 plus a monthly fee

[kennythecelt]

Right, do the obvious things- as in those property selling programmes.

 

No dogs, kids, husbands, etc and all the usual advice.

 

Fingers and toes crossed.

[kennythecelt]

Right Tilly

 

Backside kicking time:o

 

Get off line if you need to concentrate on the house for the viewing.

[Ell-enn]

Hi Tills, good luck with the viewing - I've found these tips for you:

 

Potential buyers need to imagine themselves living in your house, so get rid of ornaments and photos - especially posters in kids' bedrooms. Put things you don't really use on a daily basis in the attic or storage. Large pieces of furniture should also go into storage; this will make rooms feel much bigger. Focus on the hallway - clear away coats/clutter; the bathroom - hide all your products; and the kitchen - clear the bench surfaces of appliances, jars, tins, etc, and replace any ragged tea towels or smelly bins.

 

Pay special attention to the kitchen and bathrooms, which need to be inviting and hygienic; finish up with a new loo seat; fres towels; and a strategically placed plant or two.

 

I'm sure it's nothing you don't know already but thought it might be helpful:)

 

Ell x

[TideTurner]

Needs to smell nice - Glade? Cook some toast just before they turn up.

[saintly_1]

Needs to smell nice - Glade? Cook some toast just before they turn up.

I was gonna say get some of the part baked baguettes and throw a couple of those in the oven before they come ....... nothing nicer than the smell of fresh baked bread and these are the nearest convenient thing to it

[Bona]

And the coffee fresh if pos had power off and been to work so been of line but good luck

[**Tilly**]

phewwwwwww thats it im hanging up my marigolds lol

 

All spick and span, fresh flowers here a plant there , windows done,

then i walked in daughter room :o how do they manage to make it look like

a bomb has gone off :-?

 

 

Thanks for the tips peeps

[Bona]

Have a quick whip round when shes gone to school

take care

bonaxxxxxx

[sea-sidelady]

And keep the ginger miscief out of the house!!!!

[**Tilly**]

Have a quick whip round when shes gone to school

take care

bonaxxxxxx

 

All done, have warned her she will live in the shed next time lol

 

And keep the ginger miscief out of the house!!!!

 

i forgot all about him :o

[Ell-enn]

i forgot all about him :o

 

Who he? :-?

[**Tilly**]

lol Ell he is my daughters scatter brained kitten

[kennythecelt]

Who he? :-?

 

I thought it was Mr Tilly- thanks for explaining!