Hi Phoenix 57,
What a shame about the mix up with the courts!
As you have spoken to the building society, I suggest you formally place to them the realistic propsal to pay what you can afford against the arrears - on top of your monthly repayment.
How come you are in this situation? Plenty of people end up facing reposession through no fault of their own and a judge will not make matters worse for you either- onfact they are genuinely helpful and if you are making an effort - they will not force you out of the home.
If going direct to your mortgage lender doesnot help and they are not willing to listen, you can present a N244, with a court fee I am afraid, to the court with evidence of what you can afford each month. Payslips, letter froma friend saying they will pay or something similar.
This will need to be done very soon so work out realistically what you can contribute and go the the lender, or the courts. This should stop the reposession.
Please ensure however that you can afford to stay in the property - £5k is a large amount to pay back.
With reagrds to claiming money from credit cards - do you mean reclaiming credit card charges? Or potentially writing them off? I agree with the previous post by the legendary Johnny Debt, Emma from ReactUK is a wizz at claiming unlawful charges and is red hot on claiming compensation or even writing off credit agreements - This ranges from credit cards to secured charges and mortgages.
Definitley worth a phone call to her - she is a busy lady so keep trying - if not e-mail her at emma@reactuk.com. She will be able to explain all about the process of claiming compensation or even writing off lending to you.
If you do have any unsecured lending - this can always be reduced to help establish more funds to pay for your mortgage arrears - lots of options for you.
Just post if you need any other advice and let us know how you get on with the courts and ReactUK.
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