Dear all,
After financially difficulties we had reduced repayments on our mortgage with Northern Rock.
At the end of the agreement they asked for financial statements and in January 2013 we had a court hearing as they felt our ability to pay was not strong and they were seeking repossession unless we could clear the arrears (11000).
We went to court and it was agreed we would pay 997.50 in February then each month after 997.50 mortgage and 100 towards the arrears.
In February we paid 998 - In March a total of 1000 - we contacted NRAM in April and explained that we do the payments electronically and we were 97.50 short but would 'double up' in April. April we paid a total of 1197.50 and May we paid 1100.
We received a statement showing that our arrears had been reduced by 300 in 3 months but Northern Rock have applied for a repossession on the 19th June.
We have tried to contact them but they are stating that as the payments were made on the 31st of the month their system does not recognise them as being made on time - we explained that the court and their solicitor had not given us a date each month to pay by just stated the end of the month. They have asked for all our bank statements etc so they can assess our ability to pay but we are not sure why this is going to be of any use as we have paid the full amount. As we previously found out Northern Rock do not move quickly and so as we are due for eviction in 7 days - Would anyone have any suggestions. ?? We have downloaded the N244 form and are aiming to go to court tomorrow to pay the fees and submit them, anything else we can do ??
Regards
After financially difficulties we had reduced repayments on our mortgage with Northern Rock.
At the end of the agreement they asked for financial statements and in January 2013 we had a court hearing as they felt our ability to pay was not strong and they were seeking repossession unless we could clear the arrears (11000).
We went to court and it was agreed we would pay 997.50 in February then each month after 997.50 mortgage and 100 towards the arrears.
In February we paid 998 - In March a total of 1000 - we contacted NRAM in April and explained that we do the payments electronically and we were 97.50 short but would 'double up' in April. April we paid a total of 1197.50 and May we paid 1100.
We received a statement showing that our arrears had been reduced by 300 in 3 months but Northern Rock have applied for a repossession on the 19th June.
We have tried to contact them but they are stating that as the payments were made on the 31st of the month their system does not recognise them as being made on time - we explained that the court and their solicitor had not given us a date each month to pay by just stated the end of the month. They have asked for all our bank statements etc so they can assess our ability to pay but we are not sure why this is going to be of any use as we have paid the full amount. As we previously found out Northern Rock do not move quickly and so as we are due for eviction in 7 days - Would anyone have any suggestions. ?? We have downloaded the N244 form and are aiming to go to court tomorrow to pay the fees and submit them, anything else we can do ??
Regards