hi everyone new member in some serious need of advise please

[wales01man]

Re: hi everyone new member in some serious need of advise please

Our second charge was not welcome was HSBC think you will find that only the first charge holder can stop the sale Welcome get nothing same as you if there is no surplus,no doubt they will find another way to try to get their money from you

[madglyn34]

Re: hi everyone new member in some serious need of advise please

Thank you everyone for all the advice has got me thinking so im off to citizens advice on monday to see where i stand on going bankrupt because with the shortfall or the sale and the second charge im left owing around £29,000 which i definately do not have and will probably take forever to pay back

[smithyC1982]

Re: hi everyone new member in some serious need of advise 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 year 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!