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About beero7

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  1. Thanks for the replies, Yes we have both moved to separate places and renting privately. What would be the first port of call for me? all we seem to of had from nram is a couple letters saying the outstanding balance and to call to discuss, then a couple letters from a debt recovery agent 'Allied' chasing the money. Also stay strong Scots1 any help would be truly appreciated
  2. Hi all, I'm looking for help, Last august (2012) my house was repossessed by Northern rock asset management (NRAM). After a very long fight over arrears Nram got the their repossession order enforced and my wife and 2 boys plus my self had to move out. this was the final nail in the coffin for my marriage and we moved to separate houses. after 2/3 months our house was sold by auction for £30000 less then the market value. Brings me to my help, we are now being pursued for £18694.18 and I would like some help fighting this. I know many people will say that its my debt
  3. hi all, just a quickie, got a solicitor involved now who seems extreamly confident to get this set aside and then defend a case too. ( he did say if its set aside he thinks it would be unlikely 1st crud wud put another claim in). but another company wud prob try their luck
  4. hi rory, what do i comlain about? what i mean is i just tell them all the things 1st cred have falled to do, how they have treated us so on and so on or do i have to quote law to them? i have wrote to my local mp but not heard anythin yet. i want to do all i can to help kick them hard in the B**ls :D
  5. hi all, Well court hearings have been agurned, the judge was quite nice and i think felt for me over all this. she has asked me to prepare a witness statement inresponce to 1st credits one and given me 3 weeks to send it to the courts and Lcs. Then LCS would have 2 weeks to respond to it. Got a appointment with a solicitor on tuesday who deals with this sort of stuff. the judge said my case looks good but i need to explain in more detail the why's and what for's , She advised i get legal help. I'll post when i no more peeps
  6. Hi all, it sure is close deepdebt, in court tomo. well just a quick update, we received a letter from LCS solicitors today (thats right today and court tomo), it had enclosed a witness statement of Natalie Sookhoo (haven't got a barny who she is) and a claiments statement of cost for hearing 25 february. Long story short from what i can make out, this person has tried to pick apart my application to set aside giving answers to my reasons to set asside. I must admit when the wife phoned and said they have sent all the paperwork i requested i was bricking it.......... that ended
  7. hay all, got my court hearing date today, 25th feb 09. still not heard from solicitor going to drop them a line monday.
  8. ive sent a letter to my solicitor, so hopefully i'll be able to get all my cost back and i have also drafted a letter up to send to the oft and trading standards.
  9. think i will, i'll write up a letter and send it off to him tomo.
  10. hay all, i have sent a complaint to guildford through their complaints form. i did think of writing to my local mp to see what he makes of it all.
  11. cheers ODC, I have drawn up a letter and just about to walk it around to my sol's now. beero7
  12. that did cross my mind ODC, i bet their wondering how i knew because they never sent me any paperwork to say i had a hearing. oh well lets wait and see what they will do now.
  13. Hi all, Just got back from court, 1st crud sent a agent to act on their behalf. Well, the Judge has adjurned it for the next avalible date after 14days were he will hear both the final charging order and the set aside, he did say that my reasons to set aside had 'Very valid points' but because the lady who turned up was only a agent for 1st crud he would give them 2 weeks to look at my application. Im really thinking of getting some Legal repesentation for the next hearing, Im a bit worried that LCS/1st Crud will turn up with everything in order and i must admit ive never been s
  14. update, hi all, today ive had some contact from hastings courts. there is a hearing on monday for a final charging order, thats right ive been told today......friday...... that im in court monday. also guilford have admited they have lost my application to have the judgement set aside, i had to run down to hastings courts with a new application and hopefuly the judge will look at it monday. also i still have not heard from lcs/1st crud with my cca think its been about 5/6 months since they received it ( they did confirm they received it on 14th september 2008 ) so im g
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