The higher the arrears/the longer the money’s been outstanding without being paid, and if there’s been no attempt to deal with anything in the interim (since 2012) the less chance you have of getting the order refused.
At the moment, they don’t have an order you say in which case you are asking for a suspended order as opposed to having an order suspended. In actual fact, you don’t have an order suspended you have it set aside.. However these are just words.
By getting suspended order you are doing however is putting off the inevitable because the bank are unlikely to order the bank to accept £1000 per month off you in the long term because that would mean that it would take probably seven years to repay the amount outstanding with interest accruing. It would not help you if you have not already paid this amount every month since 2012 and for some reason are only offering it now when being pressed.
You also had since 2012 to make arrangements to pay the house although I can understand that you didn’t know what was happening and that your husband appeared to have buried his head in the sand. The courts understand that and so do the lenders however the lenders could not care less and their solicitors (who get paid for dealing with this) will simply pursue the whole thing regardless.
I suggest that the first thing in the morning (agreeing with what your solicitor says and it would have helped if you’d done this already) you instruct estate agents to come round to value the property with a view to putting it on the market. That way, you are in control of the selling process and you will be able to get the maximum sale price.
However you not going to be able to hold out for top dollar quite simply because you need to get the property sold within the suspension period. It hasn’t exchanged or completed by the time the six months is up but your solicitor can confirm that he has instructed to sell the property and that contracts are already out, you have a better chance of getting another month or so extension later on. It’s probably not enough time for you to provide a letter from the agent confirming the instruction to sell the property but at least the name and address of the agent would assist.
Can I clarify anything for you?