our house

[Spent2much]

Re: our house

Great news S2M!

Hopefully you'll win the appeal against the refusal of your variation order before the cash rolls in

yes hopefully, also i remember back when we submitted the form for the variation that we were told that it would probably be denied and we would need to appeal and there would be a hearing, its like planb said , once i calmed down it seemed that we would see it in a different light.

Forgot to mention lol, we had a lodger for a week and they moved out as they said the next door neighbours baby was crying all night and kept them awake, i actually know this is true as my son used to sleep in that bedroom , never mind things are looking up now and thats the main thing

[Spent2much]

Re: our house

another bit of good news today, firstly the mortgage rate has gone down and will put our mortgage down by about £9 a month, and hubby just phoned to say that the other phone stall on the market is leaving today which is excellent news and means our sales go up again

[vint1954]

Re: our house

phoned and paid the mortgage today , Kensington were brilliant said thank you for the payment and well done for keeping to the arrangement to pay off the arrears.

Feeling good again and happy to be finally back on track

Well done!

[Spent2much]

Re: our house

It's all in the mindset

Once you feel that you are in control of a situation you become in control of that situation

I hope hubby's migraines are getting better too

very true planb, and hubby has been ok so far, things are looking up again

[PlanB]

Re: our house

its a good example for others who may be thinking the same, but thanks to the wonderful people and support from this forum it just proves that support and help is all it takes sometimes , so thank you guys for all your help

It's all in the mindset

Once you feel that you are in control of a situation you become in control of that situation

I hope hubby's migraines are getting better too

[Spent2much]

Re: our house

Same here!

Just a few weeks ago, S2M was ready to let the house get repossessed!
What a turnaround!

its a good example for others who may be thinking the same, but thanks to the wonderful people and support from this forum it just proves that support and help is all it takes sometimes , so thank you guys for all your help

[Spent2much]

Re: our house

That makes me feel good and happy too just to hear you're back on track

thank you it is the best feeling ever, and the business has been doing brilliantly for two weeks and looking good

[PlanB]

Re: our house

phoned and paid the mortgage today , Kensington were brilliant said thank you for the payment and well done for keeping to the arrangement to pay off the arrears.

Feeling good again and happy to be finally back on track

That makes me feel good and happy too just to hear you're back on track

[Spent2much]

Re: our house

phoned and paid the mortgage today , Kensington were brilliant said thank you for the payment and well done for keeping to the arrangement to pay off the arrears.

Feeling good again and happy to be finally back on track

[Spent2much]

Re: our house

Yes, a variation should be done through the court, not the creditor.


The CHARGE as such cannot be changed but surely the repayments on the CCJ can... Spent2Much ALREADY has a charge on their home.

Even if they applied for an Order for Sale, it doesn't mean they'd get it!

Are you still dealing with Payplan?

payplan only pay 3 debts the rest have been cancelled, there is the charge £27.77 offered £1 today through variation , then there is Lewis group who have a ccj which is£3.89 a month i am going to apply to get it reduced to the original amount until payplan told me put £3.89 on the ccj form , then the orange mobile phone account which is £1 a month

[Spent2much]

Re: our house

I wouldn't let the solicitors know about your application. Wait until it is a done deal before informing them. You don't want them challenging it.

Just send the £1. By the time they complain, it should have been through the court.

I could be wrong, but I thought that they could not get a full charging order when there was a court instruction on repayments.

Also, dont forget, house is in joint names and debt is in single names. Only notation is applied.

I don't think that they can go for an order for sale, against the courts instructions.

when we went to put the form in today we were told the charge cannot be changed , but if we don't pay fairfax while waiting for the decision then they could start procedings to force sale .

I will just tell payplan to send £1 instead of £27.77 .

[vint1954]

Re: our house

I wouldn't let the solicitors know about your application. Wait until it is a done deal before informing them. You don't want them challenging it.

Just send the £1. By the time they complain, it should have been through the court.

I could be wrong, but I thought that they could not get a full charging order when there was a court instruction on repayments.

Also, dont forget, house is in joint names and debt is in single names. Only notation is applied.

I don't think that they can go for an order for sale, against the courts instructions.

[Spent2much]

Re: our house

Took the form to the court for the variation, to get the ccj reduced to £1

All we needed was the working tax credits award certificate as proof and never had to pay the £40 fee , never had to put in any bank statements or any other proof of income only what we put on the form .

it should take around 3 weeks from start to finish, so what i am thinking of doing is sending an email to payplan to say i will be paying fairfax solicitors £1 next month because of the financial situation and that we have applied for a variation.

Now the figures we have coming in and out every month leaves us with £ 2 to spend on whatever we wish , not sure what i will do with this because think we best make the most of it because Fairfax are going to refuse the offer of £1 i reckon and if there is a hearing the judge may order us to pay the £2 to fairfax

So i might go to Asda and buy a chocolate eclair each for me and hubby for our tea with our £2

In all seriousness we will wait and see what happnes .

ps. as this ccj is also a charge on the house, could fairfax take further action to force sale to get their money even if the judge rules that £1 is all we can afford ?

[Spent2much]

Re: our house

Do bear in mind that there's normally a 13 week wait for SMI!

yes , but if there is absolutley no choice we would have take that step and would write to the mortgage provider and ask them to put the account on hold until SMI starts to pay , if they don't do that then we would have to see what the next step forward would be.
Right now things seem to be improving , but many people are forced into unemployment and claim SMI so we shall just take each day as it comes.

Hopefully if we get the rent on the stall halved and the charge to fairfax down to £1 .

My hubby won't give in easily when it comes to his business , he said if he never made one single penny in a week then he would close and call it a day, that has never happened and speaking positively never will

[PlanB]

Re: our house

thank you good to know

It's good to get all your ducks lined up in a row in advance
I hate ironing too