Blemain SPO Court hearing to extend it - Now Eviction Notice - n244?

[michelle456]

They issued a Notice of Eviction

 

 

[dx100uk]

so you never paid the arrears off?

or these are new arrears

how much do you owe in arrears?

can you pay those off soon and keep up with your ongoing CMP?

 

 

[michelle456]

We last went to court to stop an eviction in Feb 2019 and agreed monthly payments plus £200 a month towards the arrears and a this was maintained for a year when the pandemic started which deeply affected the income of our business which was the main source of our income. During the summer of 2020 we were able to make payments of £4,000, but this could not be maintained. 

 

From April 2021 we managed to make payments for a year that maintained monthly payments and didn't reduce or increase the arrears.  In April last year we agreed monthly payments of £1,000 with Blemain and this was maintained for 4 months before we struggled. We still made smaller payments every month, but we faced repairing an extension roof, replacing a washing machine and drainage/door lock repairs amounting to nearly £4,000.

 

We made payments this month for £1,600 bringing the arrears down to £10,000 and we can now comfortably manage monthly payments of £1,000 per monthly (reducing the arrears by £465 a month) as we now receive pensions in addition to our business income. 

 

 

[dx100uk]

pinging @Ell-enn

sure she can help.

 

dx

 

[honeybee13]

I imagine one of the things Ell-enn will ask whether you can prove that you can afford the payments now and show the judge some evidence of your income recently.

 

HB

[michelle456]

Thanks dx100, I'll try her in a moment.

 

We can provide bank statement to show we can afford it.

 

[Ell-enn]

Hi, Just seen your message -  do you need help with wording the statement for N244?

How long is left on the mortgage ?

[michelle456]

Yes, I've drafted one and I wanted to PM you it to check, as I didn't want it viewable by Blemain - in case they ever sneek a peek at this site.

 

Ten months left on the mortgage.

 

 

[Ell-enn]

hi, If there's only 10 months left on the mortgage and you have £10k arrears you're not going to be able to pay it off in time ?

[michelle456]

No and Blemain have realised this with all proposals that the full balance was going to extend the term of the mortgage and I read the judge can do this.

 

A judge can sometimes change the terms of your mortgage agreement with a time order.

They could change the:

amount you pay each month

term of your mortgage

interest you pay

Edited April 23, 2023 by michelle456

[Ell-enn]

You can certainly ask the judge to consider it but as it will mean an amendment to the terms and conditions of the mortgage then I'm not sure it's guaranteed.   How much extra will you pay over the 10 months ? 

 

I'm happy to look over your statement - you can attach it to a message

[unclebulgaria67]

@michelle456

 

Be careful with how you are posting messages, as the most recent messages have appeared on the open forum and even those not logged in could have read your upload.  I have added the uploaded file to your thread.

 

Just add any posts to your thread.

[unclebulgaria67]

I have hidden post 62 so other users of the site cannot see it.  And I will message Ell-enn, that you have posted on your thread.

 

If you want to send private messages for any reason, when you click on a users name, you don't choose the public message option. You click on the message icon towards the top which is within a green coloured areas. That is the private option.

[honeybee13]

Is this sorted now, Michelle, are you in touch with Ell-enn by PM? I would have thought 71 posts is enough to be able to do that.

 

HB

[michelle456]

Thanks Honeybee, that's great.

[honeybee13]

I've removed a short post above with the draft N244.

 

HB

[michelle456]

Hi all,

 

Thanks for your help especially Ell-en, who has been helping me through PMs.

 

Just back from court and it is now Blemain 0 - Michelle 10 when it comes eviction notices.

 

Fortunalely, Blemain always fly Ryanair when it comes to solicitors and would you want Michael O'Leary representing you?

 

This budget 28 year old, going on 12,  who I'm sure will enjoy an amazing career in conveyancing, totally mucked up their case and we ended up paying £1,200 less than we were offering over the next three months.

 

Thanks,

 

Michelle

 

Edited May 2, 2023 by michelle456

[honeybee13]

That sounds like excellent news, Michelle. Well done you and well done to Ell-enn as well.

 

I hope it will be plain sailing from now for you.

 

HB

[dx100uk]