My partner and I had problems starting last November when he was signed off work by his doctor due to injury for two months, then when he was ready to go back to work they made him redundant. We explained our problems to our mortgage lender, Abbey, and forwarded doctor's notes etc.(posted 7197 days ago)We have continued to pay something towards our mortgage every month, but have still built up some arrears. Abbey now want the full amount of arrears in one go. We tried to come to an arrangement with them but they don't want to know. My partner now has a full time job and we have been paying the full mortgage amount each month for the last couple of months. Because we couldn't afford the whole amount of arrears in one go they had their solicitor write to us, giving us seven days etc. Our arrears were £2800, we then managed to pay £1,500 off the arrears, leaving us with £1,300. We have also been paying the full mortgage amount each month on top of this. They still didn't want to come to an agreement for the remaining arrears, even though we paid a large chunk off, and so applied for a court hearing. To add, when I phoned abbey to discuss they said it was up to the solicitor and that they couldn't touch the account now. When I spoke to the solicitor they said it was Abbey's decision, so I phoned Abbey back and they said they can't help. So I haven't been able to discuss it with anyone.
I have forwarded to the court everything, receipts for amount paid, proof we've been paying the mortgage for the last few months, reasons for problems etc. etc.
The court date is near now and I'm just getting nervous because we've had a letter today from the solicitor saying that they are asking the court for possession next week and we'll have 28 days to get out. They've also added at the bottom that's it's a shame to lose our house as there is a lot of equity in it!!!! Is the judge likely to order repossession for £1,300? Any advice welcome!
Sorry this is long!