northern rock reprossession order

[elzerbeth]

im trying too last time i went court about i didnt really have a clue about it all and like said before that was in 2005 and circumstances change although i have always let n rock know whats been going on and filled in i and es for them they have never really taken them into account i have an original i and e i did for them i sent them a copy of it and it says what we have to pay them and then a revised repayment letter by them adding 60 onto what we said we could pay which obviously we couldnt make that amount each mnth. i do feel more confident this time going to court as i have done my homework and had yours and ell-enns help but like you said your brain tells you one thing then switchs track and goes in another direction and you start to doubt your self but 90% of the time its all good

[Ell-enn]

Hi Elzerbeth, we need to get to work on your N244. While I draft a statement for Q.10 of the form you can start to fill in the rest of it - these are the instructions:

 

1. Your names

2. Tick Defendant

3. Suspension of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except The Applicant Believe

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

 

 

You will need photocopies of the letters NR sent you regarding changing to interest only so we can affix them to the statement and also the budget sheet you completed. Let me know when you have all this together and we'll fnalise everything.

[elzerbeth]

ok ell-enn n244 done photocopies of intrest only and budget sheet done

[elzerbeth]

q3 have put suspention of eviction but do i have to put why?

as it says what order are you asking the court to make and why

[Ell-enn]

Hi, got your pm with this same question, and have answered it - i.e. the statement for Q.10 explains why.

 

The statement is affixed - you will need to fill in the info where there are XXX's at the top (remove the xxx's) and also in the paragraphs where I have put xxx's for your name. When you print it out, make sure your printer is set for A4 paper (not letter size) so it all stays on one page.

 

On each of the letters, write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same on the budget sheet except it will be Appendix 2.

 

Now assemble as follows:

 

N244 form - signed

Statement - signed

Appendix 1 - interest only letters

Appendix 2 - budget sheet (you could also photocopy a wage slip for you both and put with this)

 

This forms your pack to take to court - make sure you staple (or bind) it all securely together. You should also take a photocopy of it all for yourselves, so you have one to refer to in court.

 

When you hand it in to the court, you will need to pay a fee of £35.00 and it will have to be cash, they don't take cards. The court staff should be able to give you a date for your hearing while you are there.

Elzerbeth N244 statement Jan 11.doc

[elzerbeth]

thanks ell sorry to be a pain just wanted to make sure i had done it correctly

Edited January 15, 2011 by elzerbeth
mis spell

[elzerbeth]

Thankyou so much ell i would have never have been able to do this myself

with the claim number will i get that at the court when i return n244 and paper work ?

i cant thankyou enough for your help and support in all this you are a Star i will let you know when the hearing is and the outcome of it all

Thanks again

[Ell-enn]

Hi Elzerbeth - the Claim number will be on the eviction notice. If you haven't got it yet wait till it arrives then put in the N244.

[elzerbeth]

thanks ell yes it arrivied yesterday

[newstarter]

Dont forget about going through all your paperwork and adding up those charges,you will need to dig deep and go over all your paperwork with a fine toothcombe.We can help you reclaim whatever you have paid over the odds.Anyway good luck and dont forget to keep us up to date with the outcome:-)

[elzerbeth]

thanks newstarter i will do havent recieved paperwork from n rock as yet but they recieved and signed for sar on the 12th i have a few statements but im going to wait till i have them all before doing so ell has mentioned the fact we are have charges added in the statement she did for us to go with n244.

[newstarter]

ok good luck

[liquidauctions]

How much equity do you have??? Do you qualify for an equity release?. If you dont qualify for equity release (over 55 years old) then I would sell my equity under the governments equity sale scheme, You should note that your can only release the amount that has no charge;

Example

 

10% deposit means the lender owns 90% of your property untill paid so you can only sell 10% of the property value.

 

If you are the unlucky kind who have gone into negative equity due to the downtrun then no joy.

 

If you do manage to sell the equity then when you land on your feet id sell the house once the market is right as it will be just as a rented house, you are not getting anything out of it untill the value rises.

Edited January 18, 2011 by liquidauctions

[elzerbeth]

nope we have negative equity so no good for us

[elzerbeth]

ell/ newstarter have rang n rock today to see if could make arrangement with them got same old story from them they wont do anything without bank statements payslip i and e letter of employment benefit proof ect ect even though they have had it all time and time again and we need to write a proposal of payments towards mortgage and arrears but was told that even if i do all this there concession department will not stop eviction unless we pay off arrears all in 1 go or pay a lump sum the reason given for this is that is the only way to stop a 2nd eviction. so its full steam ahead with the court i am takin n244 in on friday afternoon as this is the only day i can take in due to work as i cant afford to take to much time off so i will be back to tell you when court hearing is over weekend just praying that the judge will be sympathetic towards us unlike n rock just wish it was over and i knew one way or the other what was going on in limbo at the min and its driving me crazy

[newstarter]

These are bullying tactics,N.R are just trying to pressure you into paying a lump sum which you cannot afford,let the judge set the repayments not them.As for wanting proof of this that and the other dont go sending them info like that whatever you do,only a judge can order that you provide that kind of information.Its a common trick so dont be swayed by their threats in fact dont contact them at all.

[elzerbeth]

i only contacted them as they sent a letter telling us what to expect at the eviction and saying they could still help if we contacted them so i thought id give it a try as i am suffering constant tension head aches due to it all and not sleeping to well just cant wait to get it sorted and know one way or the other wether we will lose our home if the hearing doesnt go or way can i ask the judge for more time to find some place to live ? i do plan to pay the mortgage payment plus the 100 to arrears on monday which will be before the hearing if im taking n244 in friday i should think hoping this will show judge we are willing and able

[newstarter]

Yes pay the contractual payment plus the 100 it would not look good if you didnt and lets not go down this road of what happens if it goes wrong i think you will be fine,lets be positive about all of this,of course its a worry but dont let it make you ill,get your forms in Friday and dont let your mind run amock.

[elzerbeth]

UPDATE court hearing is on tuesday 25th at 2 pm

[dave121]

Good luck elzerbeth

[elzerbeth]

thanks dave not looking forward to it at all just praying judge will take our side in all this would be a great weight off my mind should know one way or the other by this time tomorrow another sleepless night tonight for me

[elzerbeth]

just had a phone call from n ram asking if i had a repayment plan in mind told them we were in court tomorrow so i would make my proposal to judge as everytime i have spoken to n ram/rock they have told me i need to clear the full arears even though i have had a letter from them saying they could still stop eviction if i contacted them and they understood that i couldnt pay all arrears off in one go just really hope i can get this stopped tomorrow i am really nervous and all though i am trying to stay positive its very hard to do so dont know what ill do if it goes against us

[newstarter]

Hi Liz good luck for tommorrow,now,as for N.R dont let them get to you at this stage,i wouldnt think you would get another call from them anyway before the hearing.There is no way you can afford to pay lump sums to them and i would never advise you to do so,as said earlier let the judge decide,they are just trying it on before the hearing.Well we have done all we can and i would advise you to try and chill out a little,watch some television,read a book,anything just to take your mind off of the hearing tommorrow and above all try to get a little sleep tonight so your fresh for tommorrow.However if there are any last minuite questions you may have or may think of just drop in on your thread we will be glad to answer,good luck for tommorrow we shall be with you all the way

 

regards N.S

[elzerbeth]

just been going through all my paper work ready for tomorrow and have just realised that in march 2010 i had a mortgage concession arrangment with n ram/rock i was at the time unable to meet the payments they had suggested i did send all paper work off to except and the payments were never taken by n rock i then recieved an eviction notice in june 3mnths after arrangment was made to stop that eviction i had to pay the 3 mnths owing at 356.60 totaling 1070 which i did do i was told that i would then remain at that rate and have no more charges added but they never changed me over to this and kept my payments at 599.60 i didnot make a payment to them in the july has i had had to pay double on all my other bills due to paying that amount out in june i did tell n rock when i made that payment i would be unable to pay anything in the july due to this is all this worth mentioning to the judge tomorrow i cannot for the life of me remember who it was i spoke to although i know it was a woman manager

[newstarter]

I would keep quiet about that if i were you dont whatever you do mention you missed your mortgage payment to pay off other bills,anyway it would probobly be denied if i know them,no,forget about that,just shows you what they are like though.