With Help From Ell enn I sucessfully won in court today 1 GE money didnt even bother to turn up 2 The statement that i had help to write and a reasonable offer of repayment (dont offer what you cant afford) was accepted Therfore i do not have any suspended repossesion order All is Good If anyone else is in this situation DONT PANIC It can all be sorted with the help on this superb site and all its great memebers Especially Ell enn Kind Regards

Hi guys i am in court thursday to defend a court order for suspended repossesion. I would really appreciate any help I have a defence form to fill in which i belive i can take with me but should of been handed in 14 days after being served A few thing trouble me 1, do me and my wife have to fill in seperate defence forms as we have 1 each or will the judge look at 1 defence form and treat it as joint. 2, i am not quite sure how to fill in the form to give me the best chance of stopping the suspended repossesion order. 3, the arrears are only £1583.00 which is less than 2 months total mortgage payments (does this help my case) I was originally £3583.00 in arrears but have scraped 2 grand and payed it off the arrears as well as my normal monthly installment I really need some guidance from someone who understands the legal side of this case Maybe someone could contact me via msn messenger and could talk me through it my wife and i are really upset and dont want to lose our home I understand that the suspended repossesion order is an oportunity to make a deal for payment which i have already done i offered an extra £250 on top of my monthly payment but they still want to go ahead with this hearing I fthis is granted it is for the whole tem of the motgage and i believe if i make 1 late payment in the future they can ask the blaif to evict us without going to court again (is this true) Please can anyone help ??? Kindest Regards

Thanks ever so much guys it really has put my mind at rest a little , i have been panicking all weekend and have some terrible headaches , stress i guess. I will post tomorrow after tel Ge Money Kindest Regards

Thanks I will give the cab a rin tomorrow also Ge Money i really cant stand Them. I guess im not the only one Kind Regards

Hi thanks for the reply it really does help talking and i know alot of people are in the same situation but thanks for listening.I had a telephone arrangemt to pay the £200 extra and i did this for 3 months untill i couldnt afford jan 08 due on 15th (i missed £870 + £200) i had no money left after xmas and being self employed work is a little slow in Jan. I really am worried what i need to say and do , thanks for any help it is really appreciated i cant lose my house. Kindest Regards

I have recieved a letter from GE money regarding repossession of my home as i have £3585.72 of arrears . I have been trrying to pay extra £200 on top on my £870 mortgage but i missed Jan 2008 payment ( my own fault xmas was expensive with 2 kids) I have to call them regarding this and would appreciate any advice or feedback. Is it correct they will try for a suspended order if they accept a repayment proposal and if i mess that up then can go for full repossesion. I wish i has the £3.5k to pay off in one go but i do not have it. Also do i need to attend court even if i make a offer they accept. Please can someone help me i am really worried and cant sleep think of what to do and what to say when i call them. Kind Regards

Thanks for the reply i will definately challenge HFC bank reagrding it.

Hi can anyone help me regarding a default registered on my credit file by HFC Credit card. I missed a couple of payment just before xmas. having searched my experian file i noticed a default registered by hfc on my file dated 31st dec 2007. I asked hfc if they ever sent me a default notice and they said yes 1 was sent on 18th dec 2007. I never recieved this and sked for a origonal copy. To my surprice 1 day later a default notice came by post but was clearly dated 10th jan 2008 on the notice . Clearly they never sent 1 on dec 18th as they said. Surely the default cannot be registered before the default notice is sent. Is This correct ?????? or am i confused Can anyone help me regarding this Kind Regards