Eviction help please

[CleverClogs]

Re: Eviction help please

Still, five shillings and tuppence-ha'penny is five shillings and tuppence-ha'penny...
Enough for a night of passion on the back row of the flicks, a bag of chips and the tram ride back home!

[PlanB]

Re: Eviction help please

plus another thing which I thought was so wrong is that he lied in court to the judge he told them that I had broken 26 arrangements when in fact they had lapsed, plus he told them I paid late every month when they told me I could, but he had to say I was up to date with my payments

Let's find out how much it will cost to get a transcript of your hearing today (I recently got one done for £100) since all county court proceedings are recorded. If you are looking at questioning all these extra charges which seem to be thousands of pounds this may help.

[Loki7]

Re: Eviction help please

Plan B I will look into that first thing I would like a copy for myself just to remind me of how stupid they were it would be well worth a hundred pounds,
I have I don't think ever been as scared as I was this morning and there were so many others going through the same I hope they all got the same outcome as I did

[PlanB]

Re: Eviction help please

I would like a copy for myself just to remind me of how stupid they were

You and me both

[Inca]

Re: Eviction help please

Hate to say 'I told you so' Loki,,but ole Incs had a feeling you would be ok....but I'm appalled that you didn't tell us about the 26pence !!!!!! msl:.....I'd love to have seen Judgeydudes face when he heard that little gem.

Huge hugs..you clever girl,,now relax,breathe and stay on LB,,you have a lot to offer on the 'been there,done that'front.

[charitynjw]

Re: Eviction help please

Where's the other one been hiding all weekend then

Lol, we didn't want to say.

Gossip like that is for 'Stenders & (various parts of the anatomy)book!

:bolt:

[Loki7]

Re: Eviction help please

Hi everyone have been getting use to the feeling of not being thrown out of my home, still got a little bit worried on the day the eviction was due to go ahead.

had confirmation from the court of my new payment arrangement and that I don't have to pay costs funny I have had not one phone call from GE seeing as though they were calling me before this at least 3 times a day now nothing can't say I miss them mind lol I shan't be calling them.

now I wonder if I can ask your good selves how I can go about claiming all the charges back what's the first move thanks very much in advance.

do you know I did not realise how much this had all effected me as all I have wanted to do is curl up and go to sleep plus I have been quite snappy with the children they said I should be happy now it's over and of course I am but I must have put all my energy in trying to find a way out then waiting then going in front of a judge I have never been in a court room in all my life it was scarey and now it's over I can't quite believe that someone was on my side and helped me never had that before and I did it myself my ex said over a long period of years that I was not intelligent enough to do anything for myself and I would never manage on my own well I did it and I have more than managed and seeing as he got us into this mess in the first place I think it is him that is not intelligent to manage things.
what I want to say is if there is anyone else going through this or similar there is help out there for free and they are just good people who want to help you I never thought anyone would help me after years of being told what a crap person mother I was but there are lots of fab people in this world so don't wait go find them.

[PlanB]

Re: Eviction help please

I've sent you a PM

[Inca]

Re: Eviction help please

And now you know you're not 'crappy'..you're a strong (er) woman and you took the bull by the b**locks and won..clever girl...Now...chin up and let's get the rest sorted xxx

[PlanB]

Re: Eviction help please

it's over I can't quite believe that someone was on my side and helped me never had that before and I did it myself my ex said over a long period of years that I was not intelligent enough to do anything for myself and I would never manage on my own well I did it and I have more than managed.

So he was wrong wasn't he I expect he was wrong about a lot of the things which he said to you over the years. Now you can put all that nastiness behind you and start to heal

[PlanB]

Re: Eviction help please

now I wonder if I can ask your good selves how I can go about claiming all the charges back what's the first move thanks very much in advance.

Your first move is to send a Subject Access Request to G E Money to get the whole file from the lender right back to when the mortgage was taken out. Even though it's a joint mortgage you will have the right to see absolutely everything on the file including all call logs and letters to/from your ex husband.

Please don't get upset when you read all this stuff because your ex may have told some untruths to keep the lender at arms length while the arrears were accruing over a sustained period of time. But you need to know it all before you can make a comprehensive complaint about those excessive charges and the lender's conduct.

I'll get a SAR template letter posted up for you and you'll send it with the £10 fee. They have 40 days to respond so you'll probably get the documents after Christmas.

[smithyC1982]

Re: Eviction help please

Hi,

Just wondering how things went? and if you or anyone help?

DB mortgages have instructed there solicitors to apply for a eviction date to the courts.

Mortgage Balance:- £98,798.71
Arrears: £7,828.00
Outstanding Charges: £1,250.00

As they never received my income & expenditure forms back, within 10 days of them sending the letter dated 5^th march. I then received a letter date the 5^th April advising they have instructed solicitors to file for a date of eviction. So I sent the photo copy which they never received and attached a letter. I also rang them that night to advise of the situation.

I have been speaking to Shelter every day they have to submitted a proposal for payment to DB Mortgages for them to take to management and which they now declined. DB Mortgages are advising there is short fall from the two income forms by £11.00 before the proposal was submitted etc

I proposed to pay £815.00 on the 15^th April, catch up for this year as I missed February (paid £415.00 15^th April). When following on from this can we please carrying on with the arrangement of your taking a payment every 15^th of the month and make the new payment of £500.00 each month.

They have advised they will not withdraw the eviction until they see some evidence that my circumstance’s have changed and my payment history, Also they are worried about affordability.

I spoke to the father of the my daughter he is quite on concerned about the situation and has offer to pay the mortgage payments for me each and month and act a guarantee on the mortgage. DB have advised they would not consider this.

Shelter have sent new proposal today to pay £1415.00 as my friend has offered pay some arrears for me. Following on with a monthly payment of £500.00. As the latest payments I missed was December & February.

Problem is they say it’s the 6^th time they have applied for eviction (I’m only recalling three times), and I’m 15 Payments behind. The suspended repossession order is from 2008. I have sent a request for a Subject Access Request to see what’s on my account.

My Mortgage payment is £357.00 the agreement is to pay £415 each month.

I’m a single parent with a 23 month old daughter I work 30 Hours, this is making me so stressed. I know its all my own fault.

I have been the doctors as I cant sleep, can’t concentrate on work, getting pins and needs in my left side. The doctor has put me on anti depressants and given me sleeping tablets, also been referred for counselling and to a specialist in regards the pins & needles (I have a appointment on 9^Th May)

I have entered in a payment plan with Step Change few months ago to sort my finances out once and for all.

I have not received a eviction date yet as I know soon as I do I need to apply for a emergency hearing via N244 form

This is all my own fault I managed to secure a payment arrange in court in October 2011 when I was first found out I was pregnant, and now I’ve let this happen again!