Help - possible repossession

[helpuptomyeyes]

I / we’ve buried our heads in the sand and hoped to get ourselves sorted.

had a letter today to go to court for repossession of our house.

Anyone know if payment is made to catch up if it’ll get cancelled?
not sure we’ll manage all of it before date but obviously wish to keep our home…

CAB can’t see us before date and don’t know where to turn.

I’m horrified it’s come to this and I don’t have anyone to ask for help.

my OH isn’t aware of the letter yet 😭

You need to tell your OH immediately.

Does the letter say anything about if you can make payments before a certain date?

Who should you have been repaying? A mortgage I presume, can you contact the bank/lender and ask them what's the minimum payment you could make if at all possible?

I highly doubt if you've got to the point of repossession, no bank is going to allow you a second chance, minimum payment to cancel the repossession or anything, you get a lot of chances before repossession is actioned.

CAB are rubbish. My house was repossessed and Shelter were AMAZING. I could not recommend them highly enough.Also register with Stepchange, they can sort out a breathing space order that will give you an extra three months and will freeze all interest. If you have already gone to court you should be able to stop it as it costs lenders to go to court.
Seriously though, Shelter and Stepchange first thing tomorrow. Best advice I can give you( PS we were only repossessed as we could not afford to pay ANY money back. You are in a much stronger position.)

Op you need to ring your bank first thing tomorrow morning. Seriously. First thing

my OH isn’t aware of the letter yet

what is his reaction likely to be that you’ve withheld it from him today?

Please contact Shelter in the morning. They sometimes have representatives available to come to court with you to advocate for your circumstances.

You need to get a grip on your financial situation and support to do a budget to see whether you can afford to stay in your home or if you need to consider other options. Have you had a change of circumstances like redundancy or illness that have gone on longer than expected, are you paying unsecured debts (credit card and loans) rather than prioritizing your mortgage? There won't be an easy fix but you need to face up to where you are in the process and get help to understand your next steps.

Going to court doesn't mean you will immediately be served with an eviction order and made homeless, there are options Shelter can help you with so try not to panic.

So long as it's safe for you to tell your DH about the letter then don't hesitate, he needs to know so you can make a plan together.

As well as Shelter and Step Change, it's probably worth having a read through advice from MSE tonight, so you can be as prepared as possible when you call these agencies tomorrow.

https://www.moneysavingexpert.com/mortgages/mortgage-arrears-help/#nohelp

Is OH on the mortgage, are they aware you are in arrears? A serious repayment offer may put it in hold but don't commit to something you cannot sustain.

why the husband is out of info and not included at all?
my husband keeps telling the whole family the financial situation because some kids think money grows on trees and we are doing all right but are not millionaires

https://england.shelter.org.uk/housing_advice/repossession/home_repossession_process?gad_source=1&gbraid=0AAAAADwswOx9zH674wgh2MHo0n463mQse&gclid=CjwKCAiAzba9BhBhEiwA7glbavALcDPLqewQprXaX2W3MoCUASdfsdICjpANWtohnBfYcyHCug9yWRoC5GMQAvD_BwE
You absolutely need to speak to Shelter tomorrow. It is also really important that you go to any court hearing. Also call your lender asap to see on what can be possibly put in place to prevent a hearing or suspend any possession order granted. Lenders have to go through strict processes to repossess. Good luck!

If we'd been able to lay our hands on the amount of the arrears, they would have lifted the repossession order there and then. Then all you'd have to do is keep up to your monthly payments as before.
(Sadly the friend who did come to help us out, argued with the bailiff regarding "wet signatures" and some such like, then refused to pay the arrears as he'd promised us, because the bailiff wasn't listening to him!)
Please tell your DH asap, I didn't and he had no idea until the bailiff and locksmith turned up. (There is a lot of back story to how I got into that position, but I did, it's done and we're thankfully 10 years on and in a better position now).
You can get this sorted, but you need to take a deep breath and get things moving now. Wishing you the best of luck, you will be ok 💐