Reassurance please

[fidji]

I wonder if anybody can give me any reassurance on this please.

My ex-partner insisted on taking out a secured loan to pay off his credit cards and overdrafts as he thought this was the best way to do it.

Then in February this year he left me and our 5 month old baby! I believe he paid the March payment but he hasn't paid the loan since!

I know I am jointly responsible as I signed the loan agreement too and there is no way I can actually force him to pay the arrears or the monthly payments.

The CSA is now taking maintenance payments from his wages so I can actually afford to pay the loan and the arrears.

Endeavour are taking me to court to get me evicted for the arrears of about £650. My solicitor says that as long as I make an offer to pay even if it is only £20 per month then the court won't evict us. I am going to write to them and offer them £50 per month on top of monthly payment.

Do you think they will accept this and will this stop the court from evicting me and my now 1 year old daughter from our home. I pay the mortgage and this isn't in arrears.

Thanks

[surprise]

Personally I cannot see any Judge evicting you for the amount involved. I would do an income and budget sheet, there is one on the National Debtline that is very good. It will work out what you can afford to offer and offer that amount. If they took you to Court the Judge would only make you pay what you can afford. Don't feel threatened by them they are obviously bullying you into paying more. Make sure you take everything into account when doing the budget sheet.