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

[Ell-enn]

Hi there, you are right to put in an N244, especially if you can show you are able to pay something towards the arrears.

 

You will need a copy of the letter you sent and their reply to go with the N244. I can help you draft a statement for Q.10 of the N244 which is the most important part. I can do it this afternoon/evening if you want me to?

 

Ell

[battler1966]

Yes please Ell

 

That would be very much appreciated.

 

Thanks for your help.

 

[battler1966]

Yes please Ell

 

That would be very much appreciated.

 

Thanks for your help.

 

[Ell-enn]

No problem, back shortly:)

 

Are you sure you can afford to pay £200 towards the arrears?

 

Is the mortgage in joint names?

[Ell-enn]

No problem, back shortly:)

 

Are you sure you can afford to pay £200 towards the arrears?

 

Is the mortgage in joint names?

[battler1966]

No problem, back shortly:)

 

Are you sure you can afford to pay £200 towards the arrears?

 

Is the mortgage in joint names?

 

Hi Ell

 

Yes, we can manage the £200 and yes, it is in joint names.

 

Many thanks

[battler1966]

No problem, back shortly:)

 

Are you sure you can afford to pay £200 towards the arrears?

 

Is the mortgage in joint names?

 

Hi Ell

 

Yes, we can manage the £200 and yes, it is in joint names.

 

Many thanks

[battler1966]

Just been going through my paperwork for this mortgage and the original paperwork shows that we chose the FIXED TERM for 3 years at 9.51% compared to a variable that was showing 11.7%

 

Now, call me cynical, but in the space of two years, I doubt if it has dropped by 7.49%. Is there anywhere I can check to see the rate fluctuation over the previous period.

 

One of my friends mentioned that I may have been mis-sold...do I mention this in court?

 

Got to say Ell, as this is my third hearing I am very nervous as I feel they may just say enough is enough!

 

Should I go to my council before the court hearing re-MRS? I am totally baffled now...

 

TIA

Edited June 30, 2009 by battler1966

[battler1966]

Just been going through my paperwork for this mortgage and the original paperwork shows that we chose the FIXED TERM for 3 years at 9.51% compared to a variable that was showing 11.7%

 

Now, call me cynical, but in the space of two years, I doubt if it has dropped by 7.49%. Is there anywhere I can check to see the rate fluctuation over the previous period.

 

One of my friends mentioned that I may have been mis-sold...do I mention this in court?

 

Got to say Ell, as this is my third hearing I am very nervous as I feel they may just say enough is enough!

 

Should I go to my council before the court hearing re-MRS? I am totally baffled now...

 

TIA

[Ell-enn]

Hi, I've known people be in court half a dozen times, but due to their circumstances they have still kept their home. I'm sure you will be OK as long as you can afford the payments towards the arrears.

 

Affixed is your statment for Q.10. You will need to enter information where I have put XXX's (remove the XXX's).

 

Write the claim number on the top left hand side of each of your appendices and the Appendix number on the top right hand side.

 

You should then assemble as follows:

 

N244 form

Signed statment

Appendix 1 - your letter offering payment and theirs refusing it

Appendix 2 - DWP docs

Appendix 3 - budget sheet

 

This forms your pack to take to the court make sure you staple it securely together.(take a photocopy of it all for yourself to refer to at the hearing).

 

Any questions, just shout.

 

Ell

Battler1966 N244 Statement.doc

[Ell-enn]

Hi, I've known people be in court half a dozen times, but due to their circumstances they have still kept their home. I'm sure you will be OK as long as you can afford the payments towards the arrears.

 

Affixed is your statment for Q.10. You will need to enter information where I have put XXX's (remove the XXX's).

 

Write the claim number on the top left hand side of each of your appendices and the Appendix number on the top right hand side.

 

You should then assemble as follows:

 

N244 form

Signed statment

Appendix 1 - your letter offering payment and theirs refusing it

Appendix 2 - DWP docs

Appendix 3 - budget sheet

 

This forms your pack to take to the court make sure you staple it securely together.(take a photocopy of it all for yourself to refer to at the hearing).

 

Any questions, just shout.

 

Ell

Battler1966 N244 Statement.doc

[battler1966]

Many thanks Ell

 

Just a quickie, the £200 is the original amount that we set at court last time.

 

If I went in with a reduced amount would that look bad?

[battler1966]

Many thanks Ell

 

Just a quickie, the £200 is the original amount that we set at court last time.

 

If I went in with a reduced amount would that look bad?

[Ell-enn]

No it wouldn't look bad - you have to say that you were pressured into offering that amount but you cannot maintain it and therefore are offering a more realistic amount. Do you want me to alter the statment?

 

Ell

[Ell-enn]

No it wouldn't look bad - you have to say that you were pressured into offering that amount but you cannot maintain it and therefore are offering a more realistic amount. Do you want me to alter the statment?

 

Ell

[battler1966]

If you could Ell that would be great.

 

You are a star...many, many thanks

[battler1966]

If you could Ell that would be great.

 

You are a star...many, many thanks

[Ell-enn]

How much did you offer in your letter and how much do you want to offer now?

 

Do you think the arrears figure they have quoted has monthly arrears charges in it? i.e. how much do you think is just missed payments and have you had a statement from them?

[Ell-enn]

How much did you offer in your letter and how much do you want to offer now?

 

Do you think the arrears figure they have quoted has monthly arrears charges in it? i.e. how much do you think is just missed payments and have you had a statement from them?

[battler1966]

Hi Ell

 

OK, the offer made in the letter was for £350 should we be moved onto the variable rate bringing the monthly total due DOWN by £400 compared to the current situation.

 

As for now, I am just finishing the budget sheet off and will post an amount shortly.

 

The total arrears stands at £12k (no breakdown supplied as yet although I have asked for one)

 

I think that including the latest 2 (June and July) the total missed payments is 8 BUT the last two were missed due to my job loss and I have now got secured income from both the WTC and my wifes £700pm. This does not include my SE income which is currently £400 per month.

 

Does this help?

 

Regards

[battler1966]

Hi Ell

 

OK, the offer made in the letter was for £350 should we be moved onto the variable rate bringing the monthly total due DOWN by £400 compared to the current situation.

 

As for now, I am just finishing the budget sheet off and will post an amount shortly.

 

The total arrears stands at £12k (no breakdown supplied as yet although I have asked for one)

 

I think that including the latest 2 (June and July) the total missed payments is 8 BUT the last two were missed due to my job loss and I have now got secured income from both the WTC and my wifes £700pm. This does not include my SE income which is currently £400 per month.

 

Does this help?

 

Regards

[Ell-enn]

The court will only look at what your monthly payment is now. So you need to offer what you can comfortably afford towards the arrears on top of what the monthly payment is now.

 

You can then inform the court that when your mortgage payment comes down you will be able to pay more towards reducing the arrears.

[Ell-enn]

The court will only look at what your monthly payment is now. So you need to offer what you can comfortably afford towards the arrears on top of what the monthly payment is now.

 

You can then inform the court that when your mortgage payment comes down you will be able to pay more towards reducing the arrears.

[battler1966]

The court will only look at what your monthly payment is now. So you need to offer what you can comfortably afford towards the arrears on top of what the monthly payment is now.

 

You can then inform the court that when your mortgage payment comes down you will be able to pay more towards reducing the arrears.

Thanks for the info Ell

 

It is looking like around the £100 mark. Half of the original but my circumstances have changed massively.

[battler1966]

The court will only look at what your monthly payment is now. So you need to offer what you can comfortably afford towards the arrears on top of what the monthly payment is now.

 

You can then inform the court that when your mortgage payment comes down you will be able to pay more towards reducing the arrears.

Thanks for the info Ell

 

It is looking like around the £100 mark. Half of the original but my circumstances have changed massively.