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Mortgage Resolution Limited - Suspended Repo Order - Back In Court - EVICTION CANCELLED


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Been to the council and he has said that we can apply for the MRS and we should ask the judge for a stay.

 

However, me being a sceptic, have booked in to view 2 properties tonight and if the worst came to the worst I will ask the judge for more time to allow us to move out...

 

Will try and keep you updated but of course, if you do not hear back from me tomorrow you know I am wandering the streets...

 

TIA

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Been to the council and he has said that we can apply for the MRS and we should ask the judge for a stay.

 

However, me being a sceptic, have booked in to view 2 properties tonight and if the worst came to the worst I will ask the judge for more time to allow us to move out...

 

Will try and keep you updated but of course, if you do not hear back from me tomorrow you know I am wandering the streets...

 

TIA

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Have the council given you any paperwork for the MRS ?

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Have the council given you any paperwork for the MRS ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi....guess what...after all the hard work and support from ell-enn and with fantastic representation from the MAC guy, we have got a stay!

 

The judge was firm but fair, clearly stating it is my last chance BUT she also urged the mortgage rep to ensure SERIOUS consideration is given to the rate switch.

 

Plan B is already in place if they say no and that is a rented house that is BIGGER than mine and would cost us £600 a month as opposed to 1056.00

 

She also ordered we pay £100 per month and it is to be reviewed in November.

 

My heart felt thanks on behalf of my family go out to Ell....

 

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

:)

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Hi....guess what...after all the hard work and support from ell-enn and with fantastic representation from the MAC guy, we have got a stay!

 

The judge was firm but fair, clearly stating it is my last chance BUT she also urged the mortgage rep to ensure SERIOUS consideration is given to the rate switch.

 

Plan B is already in place if they say no and that is a rented house that is BIGGER than mine and would cost us £600 a month as opposed to 1056.00

 

She also ordered we pay £100 per month and it is to be reviewed in November.

 

My heart felt thanks on behalf of my family go out to Ell....

 

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

:)

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I'm soooo pleased for you - well done for being so brave :) you must be glad you didn't give up;)

 

I hope you can both relax now and look forward to the arrival of your new baby.

 

Lxx

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I'm soooo pleased for you - well done for being so brave :) you must be glad you didn't give up;)

 

I hope you can both relax now and look forward to the arrival of your new baby.

 

Lxx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I'm soooo pleased for you - well done for being so brave :) you must be glad you didn't give up;)

 

I hope you can both relax now and look forward to the arrival of your new baby.

 

Lxx

 

Indeed we can, on at least 3 occassions during the hearing I could feel myself getting close to crying...

 

I have just spoken to them about the rate and they were abrupt to say the least...

 

My wife and I are now going to document all the ins and outs and make a call on which route to take. I do not want to go down this path again.

 

Once again ell....

 

THANK YOU xxx

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I'm soooo pleased for you - well done for being so brave :) you must be glad you didn't give up;)

 

I hope you can both relax now and look forward to the arrival of your new baby.

 

Lxx

 

Indeed we can, on at least 3 occassions during the hearing I could feel myself getting close to crying...

 

I have just spoken to them about the rate and they were abrupt to say the least...

 

My wife and I are now going to document all the ins and outs and make a call on which route to take. I do not want to go down this path again.

 

Once again ell....

 

THANK YOU xxx

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  • 1 month later...

Hi Ell and fellow Cadgers.

 

Still no news from the mortgage company regarding the rate change. I have paid this months mortgage and of course, next months is looming large.

 

So I am re-sending the letter (recorded) on Monday...do you think I need to add anything further to assist is a positive outcome?

 

######### THE LETTER DRAFT #############

 

We write regarding the above account to ask for your help in resolving the arrears situation which regrettably had become subject to a recent possession hearing.

 

At this hearing, we indicated to the Judge that we had requested you switch our mortgage from the fixed rate of 9.51% to the variable rate quoted (06.06.09) of 4.21% by xxxxxx xxxxxx. This request was faxed to your offices on 06.07.09 and we have a receipt that proves it arrived safely at your offices.

 

The judge duly noted this request and commented to your legal representation that this would indeed be a pertinent course of action to take as it would assist all parties under the Civil Justice Council Consultation Paper – Mortgage Arrears Protocol.

 

As of today, we still have no reply from you with respect to this request hence this letter being re-presented.

As you will be aware, these proceedings will be due for review by the same Judge in November of this year and we would like to inform her that you have indeed assisted us where necessary regarding the rate change.

 

We are sure you are aware of the Civil Justice Council Consultation Paper – Mortgage Arrears Protocol whereby lenders are required to give positive assistance to customers who are in financial difficulties and who are asking for help.

 

We trust you will understand our position in this and look forward to your positive response.

 

######################

 

Thanks in advance.

Edited by battler1966
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Hi Ell and fellow Cadgers.

 

Still no news from the mortgage company regarding the rate change. I have paid this months mortgage and of course, next months is looming large.

 

So I am re-sending the letter (recorded) on Monday...do you think I need to add anything further to assist is a positive outcome?

 

######### THE LETTER DRAFT #############

 

We write regarding the above account to ask for your help in resolving the arrears situation which regrettably had become subject to a recent possession hearing.

 

At this hearing, we indicated to the Judge that we had requested you switch our mortgage from the fixed rate of 9.51% to the variable rate quoted (06.06.09) of 4.21% by xxxxxx xxxxxx. This request was faxed to your offices on 06.07.09 and we have a receipt that proves it arrived safely at your offices.

 

The judge duly noted this request and commented to your legal representation that this would indeed be a pertinent course of action to take as it would assist all parties under the Civil Justice Council Consultation Paper – Mortgage Arrears Protocol.

 

As of today, we still have no reply from you with respect to this request hence this letter being re-presented.

As you will be aware, these proceedings will be due for review by the same Judge in November of this year and we would like to inform her that you have indeed assisted us where necessary regarding the rate change.

 

We are sure you are aware of the Civil Justice Council Consultation Paper – Mortgage Arrears Protocol whereby lenders are required to give positive assistance to customers who are in financial difficulties and who are asking for help.

 

We trust you will understand our position in this and look forward to your positive response.

 

######################

 

Thanks in advance.

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That looks fine - if they don't respond, you will then be able to show the judge the two letters (and proofs of receipt):wink:

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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That looks fine - if they don't respond, you will then be able to show the judge the two letters (and proofs of receipt):wink:

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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That looks fine - if they don't respond, you will then be able to show the judge the two letters (and proofs of receipt):wink:

 

Hi Ell

 

That's what I thought. She won't like that,

 

Less than 2 weeks to baby coming....time to get that nursery painted LOL.

 

Thanks again

 

:wink:

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That looks fine - if they don't respond, you will then be able to show the judge the two letters (and proofs of receipt):wink:

 

Hi Ell

 

That's what I thought. She won't like that,

 

Less than 2 weeks to baby coming....time to get that nursery painted LOL.

 

Thanks again

 

:wink:

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Oooo - keep us updated on the baby - do you know if it's a boy or girl or are you waiting to be surprised lol :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Oooo - keep us updated on the baby - do you know if it's a boy or girl or are you waiting to be surprised lol :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 1 month later...

CONGRATULATIONS!

Hope you are all well :)

Help us to keep on helping

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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