Nemo - Repossession hearing please help***SUSPENDED***

[Ell-enn]

Looking at your budget sheet it seems you only have £51 left over now which is acceptable. If you do ring them to talk about the budget sheet, make sure you have it in front of you when discussing it - don't take any nonsense from them - that is your income and expenditure end of - you can afford £50 per month towards arrears of £1,000 which is perfectly acceptable - £1k arrears is small compared to a lot of people. They will most probably want to know who the secured loans are with (unless they have done a recent credit check).

 

Let us know how you get on, and we'll advise from there

[isoprox]

Hi Ell-enn

That budget sheet looks wrong my main mortgage provider has £1,000 arrears which I'm paying back £50, but the nemo arrears are £3,900.00 sorry if I have confused things

[Ell-enn]

You need to put the 3,900 arrears in Step 4 same as the mortgage arrears as it is a priority debt not just a credit debt.

[isoprox]

Thanks Ell-enn

If I put that in there will it then be ok, and should I send the new revised budget sheet to nemo ?

[isoprox]

I have sent you my budget sheet again

[Ell-enn]

OK will take a look

[Ell-enn]

That looks OK now. As I said above, when you ring them make sure you have the budget sheet in front of you, if they get shirty about any of it, tell them that you will apply to the court for a hearing and let the judge decide - they will know that the judge is likely to side with you.

[isoprox]

Shoul I send the revised budget sheet ?

[Ell-enn]

Yes, but put a covering letter stating you have now updated the budget sheet to show the correct figures. Tell them you felt pressured during telephone conversations and completed the budget sheet in haste which resulted in errors.

[isoprox]

Will do thanks Ell-nn

[isoprox]

Hi Ell-enn

Hi sent them a revised budget sheet and explained that the errors were due to feeling pressured and also asked for a explanation why they had concerns with my budget planner, I'm getting the feeling that they will after taking passion of our home

[isoprox]

Just received a letter today from nemos solicitors stating they have applied to the court for eviction date and will hear from the court in due course

[Ell-enn]

It will have crossed in the post with your letter. You probably have a couple of weeks before you get an eviction notice.

[isoprox]

Thanks Ell-enn

Is there anything I should be doing in the meantime ? I re sent the budget sheet today, but I don't expect them to reply

[Ell-enn]

Nothing you can do but wait and see if they respond to your letter, or you get an eviction date in which case we will help you with a N244.

[isoprox]

Ok as soon as I here anything I will be in touch

And thank you

[isoprox]

Hi Ell-enn

Just received a letter from nemo regarding my revised budget planner pointing out where they had issues can I send it to too and ask your thoughts please

[Ell-enn]

OK, send it and I will take a look

[isoprox]

Thanks

[isoprox]

Just emailed it to you

[Ell-enn]

Is that letter referring to the last budget sheet you did ? you only sent it to them yesterday ??? It must be the previous one you knew was wrong.

 

Anyway, they can make as many comments as they like - it's up to the judge to decide not them

[isoprox]

I emailed them the updated one yesterday, so I think it's the new one they are referring to

[isoprox]

Hi El-enn

I have received a letter from the court, can I email it to you as I think it is a reposesion order and not a eviction order asking me to attend a hearing ?

[isoprox]

Hi

I have sent you the email with the attached letters from court an solicitors

[Ell-enn]

Hi there, they are asking the court to grant them permission to enforce the suspended possession order they got in 2008 as it is more than 6 years since it was granted. If they are given permission they will then apply for an eviction warrant. You can oppose the application but as you are in arrears at the moment there is a chance the judge might grant permission. However, we can draft a statement to send to the court and their solicitors. We have plenty of time as the hearing is not until 19 April.

 

Are you making any payments in the meantime ?