I am not quite clear. Could you please clarify exactly how much you owe and the value of your assets.

HALLO. KaKa 1. All the very best with this situation. My heartfelt sympathy to your sis. I have been in the place where she now is. She will be fine with the RIGHT TREATMENT and care. £3500 is so insignificant in the scheme of things. Speak to all creditors and possibly to CAB experts, but NOT to anyone who wants to charge for "advice". Regards GLADSTANES

YOU HAVE IN THE PAST BEEN FORCED TO ADD EXTRA PAYMENTS ABOVE WHAT THE JUDGE HAS ORDERED TO CLEAR UNLAWFUL CHARGES. GE cannot FORCE YOU TO DO THIS. YOU ONLY HAVE TO PAY WHAT THE COURT HAS ORDERED FOR THE DURATION OF CLEARING THE ARREARS. If GE has pressurised you to do this as you say then that will not look good for them in front of the judge. Do not hesitate to get into court and apply for the warrant to be suspended.If you have an income now no judge will allow these pond **** to take your home. Yours Aye Gladstanes

Hallo Tigger72. Please do not delay in this matter. I sympathise completely with your situation. Make sure you personally get the forms to the Court in order to bet a hearing asap. All the very best Gladstanes

Hallo Pat2010. Consider engaging a fair priced solicitor to deal with these pond ****. Get a DEFINITIVE FIGURE for your arrears. Keep records of all payments that you make to them. Do not be intimidated by them please. I have been down this road too. Stress to Capstone that you are NOT paying for insurance that you have not used. Remember that only mortgage payments due are included in arrears. Are Capstone still in the Council of Mortgage Lenders? If they are, next time you speak to them remind them of the rules under which CML members must act. Give them the impression that you know more than they do and they will likely treat you with more care. All the best Gladstanes

Sixofspades As others have confirmed the Court is now in charge and NOT your lender. Provided you pay as directed by the Court there is nothing the lender can do. Naturally you will keep records of all payments to your lender from now on. It may be worth checking your legal rights, e.g. your access to evidence of payments, in this whole matter simply because the mortgage is in the names of your mother and father only. All the very best. GLADSTANES

Sixofspades As others have confirmed the Court is now in charge and NOT your lender. Provided you pay as directed by the Court there is nothing the lender can do. Naturally you will keep records of all payments to your lender from now on. It may be worth checking your legal rights, e.g. your access to evidence of payments, in this whole matter simply because the mortgage is in the names of your mother and father only. All the very best. GLADSTANES

999Wills Well done. "Never give up. Never give up. Never never never." (W S Churchill) He didn't and look what happened! Regards Gladstanes PS The alcohol will taste better now.

999Wills Well done. "Never give up. Never give up. Never never never." (W S Churchill) He didn't and look what happened! Regards Gladstanes PS The alcohol will taste better now.

The DVLA is an Executive Agency of the Department for Transport. Are you saying they are not printing the law correctly in an official government document? I am still interested to know the correct definition of "private land" as stated in my previous post because it is that definition by which all vehicle owners must be directed in this important matter.

More quotes:- This is verbatim from "Renewal reminder for a tax disc or SORN". (V11) "If you decide not to renew your vehicle tax you must declare your vehicle is off the road by making a SORN. (Garages, driveways and private land may be considered to be off-road areas)." Would Buzby please give the definition of private land as evidenced above? Regards Gladstanes

Buzby This is relevant because the vehicle was under SORN and not taxed at the time. On the link you have posted I believe it states that there is no requirement to show any disc when the vehicle is under SORN and in any event the vehicle was parked on private land. As the vehicle was parked on private land it should not have been clamped or touched in any way at all. Clampers will have now have computerised records of the tax status of every vehicle. They had absolutely no right to take this action. To reiterate the vehicle was under SORN and therefore there is no requirement to show any tax disc. GLADSTANES

"Since 1st September 2008, you can legally drive or keep your vehicle on the road for up to five days from the end of the month without displaying a valid tax disc provided you have made your application (by phone or online) before your current vehicle tax/SORN expires." This is quoted verbatim from an official DVLA publication published 11/09. There is no mention of displaying anything. Gladstanes

Sir, Please act quickly. Get in touch with the housing solicitor connected to your local citizens advice bureau. Time is of the essence. Gladstanes

Taz Remember in your blackest moments that these people only care about one thing-profit! If you come up with viable proposals they will go for one of them because if they repossess they are bound to take a loss. Stay positive and get in touch with your local CAB housing solicitor as well as all the supporters on this site. You will keep your house. "unleash the dogs of war" (Shakespeare). Gladstanes