I am posting here in absolute desperation that somebody may be able to point me in the right direction to find the help I desperately need.
We have been served a repossession notice on our house and have to attend our local court on the 3rd December to go before a judge with all of our details. I have been to the CAB for help, but they are understaffed. They sent me to a local legal clinic who wont help me as I am not entitled to legal aid. I phoned a local solicitor who gave me the phone number for Community Legal Advice - again cant help me as I don't qualify for legal aid. They gave me the telephone number for Payplan who gave me no help at all. they did say they would sent me information by email, but it must be coming by donkey as it still hasn't arrived.
Mortgage been in arrears since 2009 when my husband was made redundant. Arrears were up to £5500 at the highest point. Made several payment arrangements over the phone with the mortgage company. needless to say they have failed for one reason or another.
I couldn't afford to pay the full amount in August so just paid my mortgage payment and nothing off the arrears. Same situation in September. Ignored the letters they sent me (and yes I could really kick myself now). Didn't realize it would come to this.
Mortgage payment is £335.64 and the last arrangement was for an additional £164 per month to clear the arrears. Mortgage company said they were entitled to 60 % of my surplus income.
The current arrears are £1994.00. Arrangement has been in place since June 2011. Mortgage payment has never been missed since February 2011.
I have listed every single penny I spend over the week/month/year and gauge I have £270.00 per month left if I freeze our credit cards, catalogue and gym membership. but I need to know what to do next. I have sent the forms back to the court as they had to be returned within 14 days.
1. What amount do I offer the mortgage company - the full £270.00?
2. If the non-priority debts don't accept my proposal for a lower payment, do I just carry on and let them go into default?
3. Do I go to the court alone - or do I need to get myself a solicitor to attend?
4. Would I be better to try and borrow the money to stop all this action against me?
5. Silliest question of all - what are the chances I could lose my home?
I am perfectly aware I have got myself into this mess and I am now trying to keep my head above the water and not lose my home. But I have to admit the stress is killing me. I am not sleeping. Cant concentrate at work. All because I have no legal knowledge at all and have never been inside a Court in my life.
I know you may not be able to answer all my questions as I have a thousand spinning round inside my head. But if anyone can help me with the ones above, I may start to go in the right direction.
Thanks in anticipation of any assistance you can give me