Hi Everyone, my first post on here and a bit of a long one, as the title says my house is being repossessed today by my mortgage lender Santander for arrears of £900.
I took out my mortgage in 2006 and have always kept up my payments on this and a secured loan which I borrowed in 2007.
My problems started in February this year when my mum aged 88 became ill with cancer of colon and I had to reduce my hours at work to help look after her and my dad aged 83 who is registered blind. As the months passed I struggled to keep up payments on the mortgage and the loan but kept paying. I eventually moved into mums in April and packed in work. I decided to rent my house out to a friend of the family with the intention of being able to keep up the mortgage and loan payments but unfortunately after the 1st payment from them they then kept making excuses to not pay any rent or gave me bits and bobs here and there but not the agreed amount. So it wasn't long before I got behind with my mortgage. At the end of Aug I had an advisor come out to arrange paying my mortgage plus the arrears. Then a week after in Sept my mum was rushed to hosp for another major op but unfortunately didn't pull through and passed away on the 11th Sept and so I missed another mortgage payment, I then registered as full time carer for my dad. After mums funeral etc I started making the correct Mortgage payments and got back on track. During all those months I buried my head in sand and stupidly never got in touch with anyone or asked Santander to forward arrears statements to my dads and unfortunately the letters from Santanders solicitors plus the repossession letters from the courts and the bailiff letter were going to my house and being opened by my tenant who eventually last week disappeared. At the weekend I found the bailiffs letter for eviction today so I called up the Solicitors on Monday to see how I can resolve things. My arrears were nearly £1700 of which I have managed to raise just over £700 from family and paid it direct to santander. This morning I called their solicitors to find out what I now owe and also did an income and expenditure form for which they agreed I could afford to pay my mortgage as I also have been paying my mortgage plus arrears for the last few months but I still owe £900 and they wont cancel the repossession till I pay £900 in full, which I am unable to raise.
So I am now at a loss at what to do or if there's anyone I should contact who could negotiate with Santander or Hamlins their solicitors. I did think all was going ok last week when my tenant went plus the fact I felt I was getting back on track with my bills but feels now like every time I get up someone wants to kick me back down.
If anyone can offer some advice on how I could stop this eviction i'd be grateful or do I just give up fighting and lose everything iv worked hard for.
P.S Im not one usually for complaining and don't have time to feel sorry for myself as I'm too busy looking after and caring for everyone else
I took out my mortgage in 2006 and have always kept up my payments on this and a secured loan which I borrowed in 2007.
My problems started in February this year when my mum aged 88 became ill with cancer of colon and I had to reduce my hours at work to help look after her and my dad aged 83 who is registered blind. As the months passed I struggled to keep up payments on the mortgage and the loan but kept paying. I eventually moved into mums in April and packed in work. I decided to rent my house out to a friend of the family with the intention of being able to keep up the mortgage and loan payments but unfortunately after the 1st payment from them they then kept making excuses to not pay any rent or gave me bits and bobs here and there but not the agreed amount. So it wasn't long before I got behind with my mortgage. At the end of Aug I had an advisor come out to arrange paying my mortgage plus the arrears. Then a week after in Sept my mum was rushed to hosp for another major op but unfortunately didn't pull through and passed away on the 11th Sept and so I missed another mortgage payment, I then registered as full time carer for my dad. After mums funeral etc I started making the correct Mortgage payments and got back on track. During all those months I buried my head in sand and stupidly never got in touch with anyone or asked Santander to forward arrears statements to my dads and unfortunately the letters from Santanders solicitors plus the repossession letters from the courts and the bailiff letter were going to my house and being opened by my tenant who eventually last week disappeared. At the weekend I found the bailiffs letter for eviction today so I called up the Solicitors on Monday to see how I can resolve things. My arrears were nearly £1700 of which I have managed to raise just over £700 from family and paid it direct to santander. This morning I called their solicitors to find out what I now owe and also did an income and expenditure form for which they agreed I could afford to pay my mortgage as I also have been paying my mortgage plus arrears for the last few months but I still owe £900 and they wont cancel the repossession till I pay £900 in full, which I am unable to raise.
So I am now at a loss at what to do or if there's anyone I should contact who could negotiate with Santander or Hamlins their solicitors. I did think all was going ok last week when my tenant went plus the fact I felt I was getting back on track with my bills but feels now like every time I get up someone wants to kick me back down.
If anyone can offer some advice on how I could stop this eviction i'd be grateful or do I just give up fighting and lose everything iv worked hard for.
P.S Im not one usually for complaining and don't have time to feel sorry for myself as I'm too busy looking after and caring for everyone else