- Fri Jan 27, 2006 12:05 pm
soreback wrote:Hi everyone.. Just found this site .Wow
We have just arrived home to find a citation from "The Abbey's" lawyers.
Last year was a horrible one for us, a death in the family , being made redundant & my wife suffering from depression. We managed to get jobs in late November and are now starting to earn again.
We have arrears of £2600 on our mortgage. Our monthly payments are £470.00 and have around £50,000 outstanding. House would be worth around £85-90k.
We intend to pay the Abbey £500.00 for the next 2 months and then increase it to £700 ongoing till our debt is clear.
My wife just phoned the solicitor that Abbey is using to tell them this and they were not interested.
There is no way that we can pay them the arrears in one go.
Will they manage to chuck us out??
Is it Aberdeine Considine and Co that are the solicitors? They can be difficult to deal with if you are the client, but could be ok with Debt Advisors.Go and see one FACE TO FACE, not Payplan in this case as you need someone on the ground so to speak.
- will give you an advice agency in your area.
You have LOTS of options. What I am finding with the Mortgage lenders is that they will proceed with the Court Case and get a decree against you, but will accept an arrangement.The purpose of this is to have the decree on file and enforce it if you break the arrangement by one second.
It doesnt necessarily mean you will get chucked out, but get advice and tell any agency that you need an URGENT appt.Most will give you one.When is the calling date?
YOu could go to court and explain the circs- but I seriously wouldnt do that without advice. If you google the Mortgage Rights Act (Scotland) 2001, you have the right to ask the Court to make a suspension order delaying repossession. You may need to be referred to a Solicitor but contact someone URGENTLY.
Good luck and let us know how you get on