Yes

Hi and thanks. Ill email the budget sheet. Im at work but can get online intermittently. Hi..emailed the budget sheet but it has been returned.

The eviction date is 18th September..1 week

Hi. Ell-enn. I have completed the budget sheet and I have £330 per month left over.

I dont have any documentary evidence. Its verbal. I cant instruct solicitors until The buyer is in a position to move forward. As for the last 6 months. I can only tell the truth, Ive wrongly paid non-priority debts. Ive realised my error which has brought me to this position and I need to put it right. Will the judge accept this? I'll complete the budget form now. Many thanks for your help.

Not as yet. Any help re the mortgage?

no...they came about the payments

The mortgage payments havent been made. It was Duncton who turned up at work.

Hi. Some help and advice needed please. Had a suspended possession order on my house about 2 1/2 years ago. Was paying CMI + £63 and not problem. Missed a months payment, hadnt realised it hadnt gone out then discovered this several months down the line when I was told my mortgage provider GMAC that they had stopped taking the extra £63 when the months payment was missed as this had invalidated my agreement. Been making payments generally with the odd missed payment due to stupidly taking out payday loans to help the debts that I had inherited from my ex husband as he had subsequently died. Been trying to sort everything over the last 6 months and done everything wrong and paid my non priority debts over my mortgage as they had turned up on my doorstep and at work. I now know I shouldnt have done this. Last Thursday received a notice of eviction for 18th September out of the blue, no warning from GMAC / Paratus. Although I havent paid the last 6 months I have still paid £2190 of the £2880 due since December '11. My arrears stand at £3700 equivalent to about 10 months.(probably less than 10 months as some were accrued when my payments were £700+). I can easily afford the mortgage now that I have sorted the other debts and with a decent amount surplus each month to reduce the arrears. I also have a buyer which GMAC know about but I am waiting for them to sell their property before I can go ahead which will cover the whole of the mortgage outstanding. I am also due a lump sum to soon possible end of september, might be October of around £1400. I have 2 children, one who is due to take their GCSE's in the coming months so really dont want to disrupt them. Is their any chance I can save my house? I would really appreciate some help.

Thanks for reply but if it means that my relative will be informed then there is no way I will be able to sell. I can understand the solicitor having to know but why should my personal info be passed on to the buyer? Its non of their business so long as it is being discharged on sale?

Hi. I have a mortgage with GMAC for which the outstanding balance is £118000, a secured loan with Picture for £42000 and 3 charging orders...Lloyds TSB £4500, Moneybarn £6000 and for a water charge of £1800. I want to sell my house which is now only worth aroud £115000. I have received an offer of £105000 from a cash buyer. I have spoken to Gmac who have agreed the sale, Picture have also agreed it with a proposal to pay. My questions are: Will the presence of the charging orders prevent me from selling? And will my prospective buyer be informed of my secured debt and charging orders? The buyer is a family member and thus I do not want them knowing my position. Any advice will be welcomed. Thanks

Hi...does anyone know the fax number for Santander complaints department please?

Does anyone know the fax number for Santander complaints department please?

ok...I'll do that! Thanks.

its a visa debit card.

I said I would do that and they just said they would log it on file, wont make any difference they would deal with it in the same way. They have an answer for everything.

Its a manager in the fraud team thats told me they wont dispute it for 30 days!

hi and thanks. the bank is Santander. I have made a complaint to both the company and the Bank. Uncle buck were just dismissive and not interested. I requested that the bank do a charge back and the said as I have a relationship with uncle buck they cannot do charge back.

I was supposed to repay a loan amount of £195 made up of £150 + 45 interest. I rolled over the loan and paid the £45 fee as requested on 27th April to be paid on 25th May. On 11th May they helped themselves to £377 out of my account saying thats what i owed them!! I have spoken to them since and they just said 'well we have the money now' and were not wlling to repay any of the money. The bank wont refund it as i have had dealings with the company. I told the bank that I would go to the police and they just said well we will add the crime number to the file and you would have to appeal in writing. Surely they cannot just ignore this theft?? What should I do?? Please help.

They offered to do this for me indefinately so that the balance would reduce and I could work at increasing my payments. Unfortunately, since, I have missed a couple of payments and now they have passed my account to a solicitors to deal with. Strange thing is....they have issued a claim for the balance but not a reposession???? I received this yesterday from Cardiff County Court, its all photocopied, not originals. Claimaint seeks payment of the money outstanding, VALUE - expects to recover more than £15000 ( balance is 42000). The Claimant claims the total sum, and daily interest. No mention of a repossession. It also enclosed the usual forms, again photocopied versions. Very confused now!!!!

Yes...the charges are bailiff charges only. And the car is only 8 months old....3 yrs 4 months left to pay! The have added levy charges but havent levied anything and vat on top of that. they say they have charged £12+ for letters and for turning up with a van.

Any advice please?

Can I please have some advice? I incurred a car parking ticket about 18 months ago when I didnt realise that I had to pay....the sign was not within sight of where I parked and nor a ticket machine. This aside, I couldnt afford to pay it and has now escalated significantly. I've had a bailiff call a couple of times (never when I have been there) who have pushed letters through my door threatening to seize goods and charging me lots off fees. A 30 pound fee now stands at 351.70! Today at 6am I heard a knock at my door, I was in bed as were my children. I was not going to answer the door at such a time as I am a single parent and felt quite vulnerable. I looked outside and a silver van was parked infront of my house. Eventually the person went away. Later this morning as I was leaving my house I was approached by a stranger who handed me an envelope. 'I think this may belong to you she said, I found it on the pavement down the road and had looked inside to see if she could find details of whom to return it'. I opened the letter (had not even been sealed) to find a lketter from Dukes Bailiffs informing me that they had attended this morning to effect full settlement of the amount outstanding. Attached was a walking possession agreement for my car signed and dated by the bailiff. It stated that if the amoiunt wasnt paid within 1 day of this notice then they will return to my address to remove the car. (which happens to be on HP). I have spoken to him a few weeks back and told him that my car was on HP and he said he can still take it. I also sure that I have read somewhere that goods seized should be proprtionate to the debt. Well there is a massive difference to a 10 grand car and 351.00. Can they do this? Can someone help me please?

Update..... Hadnt heard anything from Duncton for a couple of weeks despite them informing me that they were going to apply for a return of goods order. I sent them an email asking for the date they applied for the above and the reference number (was just pushing to see if they had indeed commenced legal action). Today I receive an email apologising for the delay, informing me that they had commenced legal action for return of goods order but they were unable to privide me with a reference number as yet?? They went on to say....If you wish to keep the car then we are happy to divide the amount owing between the remainder of the months left of the agreement had it not been terminated!!!!!! RESULT!!!!!!! This also included removal of the fees for passing the account to the Bailiffs!!! Proposal happily accepted!!!! Many thanks to all who helped me achieve this!! They really did not want this going to court!

But again...now they wont let me pay them, stating that they will start legal proceddings on Monday. I will of course be bringing this to the attention of the courts.