The Rules of the Supreme Court (Northern Ireland) (Amendment No. 2) 1999

3.  There are a number of steps you should immediately consider taking if you want the Court to exercise its discretion under those powers in your favour, namely—

(a) consulting a solicitor or taking other advice (for example, from the Housing Rights Service or a branch of the Citizen’s Advice Bureaux);

(b) preparing (or having your advisers prepare) a detailed written budget setting out your income and outgoings and indicating the resources available to discharge the arrears on the mortgage (where your mortgage involves payment by instalments) or the entire mortgage debt, if necessary by regular payments over a period of time in addition to the normal regular payments you are required to make under your mortgage;

(c) working out carefully what you consider to be your best realistic proposal to discharge arrears of instalments or the entire mortgage debt; if you (with the help of your advisers, if any) cannot realistically propose that you discharge the arrears of mortgage payments or the entire mortgage debt out of resources other than the mortgaged property itself, you should consider whether you should try to sell the mortgaged property (or, if practical, a part of it) in order to discharge the debt, with a view to seeking the exercise of the Court’s discretion so as to give you an adequate opportunity to sell the property;

(d) attending the hearing as detailed in the notice of appointment or summons that has been served on you, where you should be in a position to provide—

(i) an explanation for the default in meeting your obligations under the mortgage;

(ii) details of your financial and other relevant circumstances;

(iii) your best realistic proposal to discharge the outstanding debt or, where (or insofar as) the mortgage debt is repayable by instalments, the arrears of mortgage instalments together with any normal mortgage instalments that become due;

(e) bringing to the hearing documents to vouch details of your financial and other relevant circumstances (for example, your current or prospective salary, employment prospects and/or state benefits) and, where appropriate, documents relating to your endeavours to sell the premises or obtain a new loan on the security of the premises.

Your attention is drawn to the notes appended to this notice.

Dated the day of

(Signed)

Solicitor for the Plaintiff