Northern Rock have been determined to kick my family out of ourhome since day 1. I took out a mortgage with them not so long ago and unfortunately my Wife was diagnosed with cancer shortly after giving birth to our son, as a result, I resigned from work to care for them. For 8 months i received no benefits or income and we survived on a credit card and savings, still I maintained my mortgage until, getting nearer to xmas, my funds where low. I asked Lyndsey Gibson(supervisor) and the manager Marion Earle if I could make a reduced payment of £150 for 3 months until my wife went into respite and then i could return to work. They agreed. 3 months later i rcvd notice that we where in arrears and would be taken to court for repossession. Mortifed I rang to ask what was going on and they denied all knowledge of the deal and lied saying "we agreed you could make a reduced payment for one month then we would review your claim". Each month (i made card payments) i checked with the csr's that it was okay, they said yes, their is a note detailing the agreement. The court gave a suspended notice and ordered we pay £10 arrears each month. Last month, we fell behind as they now told us that payments need to be in by the 25th of each month otherwise it would show we where in arrears and defaulted on the mortgage. We have always paid on the 28th, why didnt they mention this 18 months earlier???? The house has now been repossessed and we are to be evicted in October. The court has ordered us to pay legal fees and has demanded payment forthwith.(posted 7895 days ago)My questions are this:
1. I dont know where my family will be living as we have less than 3 weeks to find accomodation that accepts dss. Will Northern Rock or any of their debt collectors turn up at my mums address to find us should there be a shortfall on the property? We where living there when we signed contracts you see. Is it legal if they do?
2. The courts have demanded legal costs to be paid forthwith, will they send bailiffs round before the date of evoction? Will they let us know if they do?
Thanks, I am desperate, my sister was with C&G and she divorced her partner so she asked for a 6 month freeze on the loan whilst she sorted her finances. They couldnt help her enough. I have a wif who is dying and doesnt need the stress of all this in her final days, plus i have a baby to feed, surely she is more important than NR getting their blood money? Or are they just heartless?
Adam