Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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  1. 16th March 2010 19:48 #1
    nemasis21 nemasis21 is offline
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    Default any advice please

    hi all i am being evicted from my home on thursday my motgage arrears is £1156.22 which i have offered to pay but my lender wont accept this they are asking for my fees balance of 4719.79 on top i have an hearing tomorrow morning to try and stop this can anybody offer any advice i was made redundanticon in aug last year after first being put on reduced hours i notified my lender who put an arrangement in place for me to pay £600 per month i missed dec payment but payed extra £200 in jan i payed feb on the due date and on the 5th march received the eviction notice i had a repossesion order suspended in june 2008 which i payed the arrears in full i didnt know i could have applied to have the order removed. since i spoke to my lender last thurs my circumstances have changed i have been offered full time employment which i have the offer letter to take to court. not sure what to expect from the court any advice would be appriciated

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  2. 16th March 2010 22:09 #2
    jaxads jaxads is offline
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    Default Re: any advice please

    Hi - the arrears don't seem too high - what is your normal monthly payment and how much towards the arrears are you able to make each month? Also given that you're now in a position - having been offered a new job - to make regular payments, then hopefully you should be ok.

    Take all the information you can to the court with you (I take it you've already completed the N244icon form in order to get the appointment at court). Have you also completed and income and expenditure form?

    Have you mentioned in your statement the Cheltenham & Gloucester V Norgan Case (in which the arrears were allowed to be spread out over the remainder of the loan term).

    I'll flag your post with Ell-enn who's CAGicon's No 1 when it comes to this kind of situation - she'll hopefully be around to offer you some sound advice.

    Best wishes.

    jaxads

    Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.
    Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.
    GE Money - Received settlement of £441, being total charges requested. No interest though.
    CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!
    EOS Solutions "ceased action on account" on behalf of a friend.

    All in all, quite busy at the moment and enjoying every minute of it




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  3. 16th March 2010 22:11 #3
    Ell-enn Ell-enn is offline
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    Default Re: any advice please

    I have replied on your thread in the Repossessions forum. Please stick to one thread to avoid confusion


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE