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Response to Court Case on 04/06/04

from David J. Button (davidjohnbutton@supanet.com)
Stop worrying. You will get a suspended possession order if you can show that you can meet the ongoing monthly payment plus a sum off the arrears each month on top. This is under the commonly known Norgan Rules - the judge has to allow you the rest of the mortgage term if necessary to clear any arrears off.

Go to the court. Make sure you go to the court - this is a priority. If you don't go, the judge will simply make a 28 day possession order which WILL NOT be suspended.

Take with you a spreadsheet showing your income and outgoings - and yes, tell the court about the compo claim and the new job. You should have filled in the reply for to the court which asks for your income and expenses but don;t worry if you have not returned this.

The hearing is in a room with the judge, you and a rep from the BS - it's all informal as courts go. Note that as well as a suspended possession order, the judge will give a suspended judgment for the whole of the mortgage outstanding. Neither appears on your credit records or on the BS repossessions register UNLESS you default and the order becomes "un-suspended".

(posted 7239 days ago)

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