A Day by Day Account of a real distressed Surrey Family
They came to me for help using all I had available and with prayer cover the impossible quickly became the possible.
For a bit of Advertising they received help from The Green Shoots of Recovery, which is me the writer of this piece, but its their story.
Only after facing the reality that time is running out and homelessness is the reality and price for failure at this stage, isn't worthy of consideration, this is when help can begin you see i said you must give me 100% of your help and focus while i seek to give 110% because this is serious
Okay to protect the identity of this Surrey Family I will call them Mr and Mrs ,
(assumed names not their real ones.
The bottom line issue, is Mortgage Arrears and facing Eviction Repossession for Mortgage Arrears of over £6,000.
Sadly this is becoming all to common and don't believe the nonsense when they say a lender doesn't want to evict you and sell your property. Take it from me when they want their money back they couldn't give a ......for you or your family
As a first step in using my 3RS approach, (Called Logic)
Resolve
DAY 1 The Impossible.
I have met up with Mr, at his home Mrs is still yet to be told of the problem,the family is facing I have therefore suggested that Mr, tells Mrs, the whole story the bad news as part of the healing process and stopping the aftermath of the blame game whose fault is it???
The diagnosis and the interrogation isn't going to get hold of the problem or the solution for that matter. I know to have any chance to help them I have to get them on board with me fully engaged quickly as I need them to give this problem 110% effort to avert the current course of homelessness...
So I quickly explain as a Christian I feel the need to pray for wisdom and guidance to help this situation right now and Mr accepts and listens.
I pray with Mr, today for wisdom, then I go to work first the lender who is frankly very un helpful in the first instance and therefore needs me to call the solicitors to discuss the eviction order awaiting my clients.
They agree to speak to the lender and promise to come back to me with the relevant information, the basic mathematics how much is owed in total why the heavy handed approach and so forth. They are receptive and helpful and co operative but like most solicitors sadly lacking in the follow up they forget to phone back. However perhaps I can forgive them within 15 minutes a call comes back from a more senior and help full gentleman from the Mortgage Lender.
On behalf and speaking for the client I advise that I am a qualified Mortgage Broker for my sins but also recovery expert, here to help the client and lender reach agreement and we seek to negotiate a settlement for half an hour on the phone.
One hour later we have arrived at a proposal for a £1500 payment lump sum against the £6000 plus arrears and a payment of the current mortgage in July 2011. This is progress believe me my client is in my opinion at his toughest point, right now its his toughest ever evening assignment for homework.
Despite the lender wanting and saying they would help assist they still want to hold the eviction action in place through the solicitors and so in response, we advise just in case like them we will hold onto the security of a court hearing court hearing to try to stop the eviction going ahead as a final back up plan.
2 Hours later I am pleased with the small progress and the honesty of the situation and my customer says he feels a bit better slightly, lighter that's great news these are his darkest days he will see that shortly prayerfully. Tonight will be his toughest and by getting him to face and deal with the small issues under guidance he will restore his confidence in his ability to reach a resolution and conclusion and regain the initiative.
Most importantly as there is over £100,000 of potential equity in the property very important the family retains total control of future potential sale of the property not a third party.
When Mr goes to sleep eventually tonight he can know help will be available to him
This is paramount and key in this situation knowing you are not alone....
If you are facing difficult Financial decisions and potential loss of Home Car, don't delay get immediate help.
The Green Shoots of Recovery
paulstacey88@gmail.com
Day 2 Got to get a Court Hearing
Tomorrow is going to be a court visit lodging a £35 form to seek a hearing in front of a judge back up plan whilst the lender holds theirs in place only fair really.
Okay here we are day 2 a visit to the court and a £40 fee, inflation its just increased form £35, has just been paid an a court hearing has been arranged a safety net to counteract the lenders reluctance to life an eviction order. As for telling his wife Mr still has to tell Mrs the bad news. To help out i have asked one of my current clients who has just gone through this stage having to ask over 17 people in order to raise £5,500 around the world and succeeding in his task to call Mr and offer some words and comfort and empathy as he is still in this situation of potentially loosing his house
For me the idea that Green shoots could actually provide a self help mentoring type arrangement, where real people in distress can help assist and advise other real people in distress is just starting to become apparent.
This is really exciting and is convincing me whats lacking in Britain is a mentoring self help mechanism for people in this situation, where people who relate to each others distress can exchange ideas help but the stronger life and help the weaker.
Having someone facing the same as you who is facing it dealing with it and gradually helping to lift up his fellow man is fantastic....
So help me, keep watching, keep hoping and praying for this family I am even more determined to get a positive outcome for this family.
If you are in debt distress maybe you are not in a position of losing your house or car but have real debt problems then e mail me
paulstacey@finance-solutions.freeserve.co.uk.
I have a financial services company and debt advisory and consultancy business I personally will be able to get you immediately the help and advice you are seeking.
Telephone 01306 881399, or mobile 07710-854040 ask for Paul
Day 3 Other Help from a Distressed Client.
Yesterday I successfully arranged for one of my Clients who has just been to court with me having found a considerable sum of money in time to avert eviction and repossession to mentor my friend Mr in similar distress. They began a conversation yesterday and although they live 4 miles from each other I know I have done the right thing, allowing each the choice to talk to each other and yet they can both help each other, this is the mentoring idea in action. Because of Data Protection and the need not to discuss confidential personal information they are free to discuss their respective case histories with each other my Green Shoots involvements and free to individually come back to me for ongoing help, advice etc.
This programme i now intend to role out across Surrey in the coming weeks
We are stifled with bureaucracy in this country, to the point we could be restricting people from getting quick help proper help fast....
Day 5 The Cat is finally out of the Bag.
Client has finally told his wife now just as well as party to the mortgage the court hearing papers have arrived. My advice to anyone in this situation is part of the process of dealing with the overwhelming problem is to figure out what part is holding you back from facing your fear head on and dealing with it. I pressed my client for 2 days to say you must tell your wife the truth, the reality even if she cant deal with it right now and then get back to focusing with me 110% on the solution to the problem.
A call later, tells me my client has now raised over £700 in cash against the £1500 required, so it looks like we are making steady progress and I am resolved that these good people are not going to lose their Home when I am on watch.
This has been my clients darkest hour but with a combination of work, payments up front from their Business Clients and admitting where your at, asking family and relatives for help, i.e money on loan gifts of money etc, which isn't easy to face, my client is getting back control of the situation and feeling empowered again. This is vital to restoring shattered confidence and not feeling isolated and has put them back into the fight to keep control of their property.
Please fee free to comment.
If you need help please ask paulstacey@finance-solutions.freeserve.co.uk
or Telephone Paul Stacey 07710-854040
Day 6 Preparation and the Final Parachute Hope it Works
3 Hours of discussions and proposals with Client Mr and Myself numerous phone calls to the Lender and solicitor we arrive at a resolution for the client to have to find £1500 lump sum prior to the eviction next week and the Mortgage monthly payment plus £150 towards the arrears
On the previous days of asking begging and working my client has arranged £900, payment to the Lender today and banked a cheque for £500. The next day we have a Court Hearing Booked.
Success at last and a real result
I attended the Court Hearing this morning which i instigated on behalf of my client as the Lender was unwilling to remove the Eviction Warrant and therefore allowing the Bailiffs free rain to come and put my family on the streets of leafy Surrey.
In the court room we had sight of a miracle. On the way in the client asked me if i was nervous.
I replied well since I am not a lawyer or Solicitor although I am a trained Financial Adviser I have no legal training, and i filed and set up the court hearing the honest answer to your question is scared to death.. However I have a secret weapon i said . Prayer....
In the Court to add to the helplessness and confusion that fear and panic may cause the Judge a lovely lady speak to me and reminded me a a Mackenzie Friend I would not be able to address her in court.
So now what do i do?
Fortunately God had listened to my prayers and my 8 friends in prayer cover I was given the night before. Miracles and Common Sense prevailed and we today got the Eviction Warrant lifted so that when the final money is paid next week my Client can catch up and get a good nights sleep. And so will I what a day. The Young Solicitor politely said she didn't want to meet me again who was defending the client. The truth is when god walks with your situation its doesn't matter who you are up against or what you will succeed.
I thank the fact however that we do have judges with common sense, but not enough.
Still my client is elated and we go for a cup of Tea.
The satisfaction I feel is immense this was a worthwhile morning.
Looking back this is remarkable we have saved Eviction in under a week as I only met up and started this project 1 week ago.
Really To God be the Glory.
This is his story he simply used me as I wanted to help and had the power to rightfully shut my mouth...
If you want real help and fast then call me.
Paul Stacey
They came to me for help using all I had available and with prayer cover the impossible quickly became the possible.
For a bit of Advertising they received help from The Green Shoots of Recovery, which is me the writer of this piece, but its their story.
Only after facing the reality that time is running out and homelessness is the reality and price for failure at this stage, isn't worthy of consideration, this is when help can begin you see i said you must give me 100% of your help and focus while i seek to give 110% because this is serious
(assumed names not their real ones.
The bottom line issue, is Mortgage Arrears and facing Eviction Repossession for Mortgage Arrears of over £6,000.
Sadly this is becoming all to common and don't believe the nonsense when they say a lender doesn't want to evict you and sell your property. Take it from me when they want their money back they couldn't give a ......for you or your family
As a first step in using my 3RS approach, (Called Logic)
Resolve
Repair
Right Track forward
The diagnosis and the interrogation isn't going to get hold of the problem or the solution for that matter. I know to have any chance to help them I have to get them on board with me fully engaged quickly as I need them to give this problem 110% effort to avert the current course of homelessness...
They agree to speak to the lender and promise to come back to me with the relevant information, the basic mathematics how much is owed in total why the heavy handed approach and so forth. They are receptive and helpful and co operative but like most solicitors sadly lacking in the follow up they forget to phone back. However perhaps I can forgive them within 15 minutes a call comes back from a more senior and help full gentleman from the Mortgage Lender.
Here is why
- He is advised by me to tell his wife the bad news to be honest.
- He has to seek family friends help begging letters etc to get his £1500 lump sum together.
When Mr goes to sleep eventually tonight he can know help will be available to him
paulstacey88@gmail.com
Tomorrow is going to be a court visit lodging a £35 form to seek a hearing in front of a judge back up plan whilst the lender holds theirs in place only fair really.
This is really exciting and is convincing me whats lacking in Britain is a mentoring self help mechanism for people in this situation, where people who relate to each others distress can exchange ideas help but the stronger life and help the weaker.
paulstacey@finance-solutions.freeserve.co.uk.
We are stifled with bureaucracy in this country, to the point we could be restricting people from getting quick help proper help fast....
Day 4 Trying to talk to a Lender with a One track Mind Repossession.
A conversation with the lender today in preparation for a court Hearing this week organised by myself as a safety net and back up plan if necessary to ask for the courts help in obtaining more time. My client owes more than £6000 in arrears payments on their Mortgage, i have managed to secure a deal for the client to have to find £1500 continue from July with their normal mortgage payment and £200 extra on the £800pcm mortgage payment. That's a tall order when you have to figure out where to get £1500. I then seek about mentioning to my local church home group the clients basic need for prayer only disclose no personal information other than the first initial of their name and they receive no less than 10 people praying for help.
So we await and see the progress... Day 5 The Cat is finally out of the Bag.
Client has finally told his wife now just as well as party to the mortgage the court hearing papers have arrived. My advice to anyone in this situation is part of the process of dealing with the overwhelming problem is to figure out what part is holding you back from facing your fear head on and dealing with it. I pressed my client for 2 days to say you must tell your wife the truth, the reality even if she cant deal with it right now and then get back to focusing with me 110% on the solution to the problem.
This has been my clients darkest hour but with a combination of work, payments up front from their Business Clients and admitting where your at, asking family and relatives for help, i.e money on loan gifts of money etc, which isn't easy to face, my client is getting back control of the situation and feeling empowered again. This is vital to restoring shattered confidence and not feeling isolated and has put them back into the fight to keep control of their property.
or Telephone Paul Stacey 07710-854040
On the previous days of asking begging and working my client has arranged £900, payment to the Lender today and banked a cheque for £500. The next day we have a Court Hearing Booked.
Day 7 Make or Break Day
I attended the Court Hearing this morning which i instigated on behalf of my client as the Lender was unwilling to remove the Eviction Warrant and therefore allowing the Bailiffs free rain to come and put my family on the streets of leafy Surrey.
In the court room we had sight of a miracle. On the way in the client asked me if i was nervous.
I replied well since I am not a lawyer or Solicitor although I am a trained Financial Adviser I have no legal training, and i filed and set up the court hearing the honest answer to your question is scared to death.. However I have a secret weapon i said . Prayer....
In the Court to add to the helplessness and confusion that fear and panic may cause the Judge a lovely lady speak to me and reminded me a a Mackenzie Friend I would not be able to address her in court.
So now what do i do?
Fortunately God had listened to my prayers and my 8 friends in prayer cover I was given the night before. Miracles and Common Sense prevailed and we today got the Eviction Warrant lifted so that when the final money is paid next week my Client can catch up and get a good nights sleep. And so will I what a day. The Young Solicitor politely said she didn't want to meet me again who was defending the client. The truth is when god walks with your situation its doesn't matter who you are up against or what you will succeed.
Still my client is elated and we go for a cup of Tea.
The satisfaction I feel is immense this was a worthwhile morning.
Looking back this is remarkable we have saved Eviction in under a week as I only met up and started this project 1 week ago.
Really To God be the Glory.
This is his story he simply used me as I wanted to help and had the power to rightfully shut my mouth...
Paul Stacey
Green Shoots of Recovery
Tel 01306 881399
Mobile 07710-854040
e mail paulstacey88@gmail.com
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