thats what i,ll do on friday,should i phone the bailiff up after and tell him what i,ve done,also would he lie about how many times he came to my house and if he does what can i do about it?

liability order for £1233 for ct on the 03-06-12 got a baliff removel on the 13-08-12 £1433 i phoned the baliffs mobile number up and agreed to pay£250 per week i,ve paid £1000 over the last 4 weeks but this friday i,am going to pay it off what i want to know is this was the 1st time he came to my house so should i only pay £24.50 for his visit,what happens if he diputes this?if i phone him up and only agree to pay£233 plus the £24.50 for one visit will he just take the full£433

they want it from sept to feb,i,am going into the bank tomorrow to try and get the paper work,hopefully i,ll get it in time to send to the council so they can adjorn the court date

hi,just got a court summons to attend court over council tax on a repossed house,the facts are 1 the bank got a eviication order in jan 2010 so i moved out into rented house 1-2-10, 2 the bank finally repossed the house on 1-9-10,so the council are wanting the rest of the years payments,i don,t have any paper work as to when the house was repossed,so i sent the council a letter from the estate agents stateing the date they put it up for sale and the date they sold it but the council say this is not good enough,should i get a copy of the land registry to send them or should i just attend court and explain the situation.

yes i,am working,its the yorkshire who are going ahead with the eviction on the 11-08-10,1st plus did get a eviction order back in feb but never acted on it and i,ve not heard anything off them at all.

hi,my house so due to be repossed on the 11th of aug but people have already been coming round to look at it before its gone to the estateagents,i owe £90000 to 1st plus and they took me to court in december and got a eviction order for the 11th of jan,they have never acted on it,they are the second charge on my deeds,i owe yorkshire £53000 and have acted on a court order so i have to be out on the 11th/08/10,the thing is the house is worth about £110000,so the questions are how do i go about getting the best price and can 1st plus stop the yorkshire from selling it at a silly price so only the yorkshire get their £53000 back.thanks

hi ellen,work picked up but its got to be above 3 degrees so i,ve not worked since 14th of dec last year,so i had plenty of time on my hands to think things over and decided to throw the towel in because i would be paying 1st plus £1200 per month for the secured loan and my mortage company £600 per month on a house thats only worth £110000 and interest rates are at the lowest the,ve ever been and all 1st plus do is put there rates up so i,am paying 12% at the moment,so when the bank of england do start upping the interest rates i dread to think what 1st plus will do,also I do earn good money when i,am working but for the past 3 years i,ve been paying it all out to keep the house,so we,ve gone without holidays and days out and its not fair on the kids,so i,am going to rent a place for £550 and where going to start living again. yes it is a 1st plus loan and it was for £75000

hi,my house is going to be repossed 0n the 30th of this month,there will be enough money to cover the mortage company but not enough to cover a secured loan,i know that a mortage shortfall can be chased for 12 years,the question is does the secured loan become an unsecured loan after the house as been repossed and can the shortfall be chased for 12yrs or is it like any other debt and becomes statue barred after 6 yrs.thanks

yes the order is for the 11th,i can get my new land lord to give me a letter to say i,am moving in and that i,ve given him 3 months rent in advance

i,ve been told that i have to be out of my house on the 11th of january by the court judge,does this mean the bailiffs will come on that date?i,ve managed to rent a house but its not ready for another 2 weeks after that date,how long does it normally take for a eviction warrent?and can i appeal against it so i have time to move into the rented house.thanks

hi,just got my new date for repossession hearing its on the 14 december,the thing is the judge said i had to pay my monthly payments plus £200 towards the errors,which was due on 5-10-09,on the 29-9-09 i sent 1st plus a recorded delivery letter asking them to send me their bank account details so i could set up a direct debit to pay them,as yet they haven,t sent me any details,yesterday i sent them another letter requesting their details by recorded delivery,the thing is i,ve got the money but don,t know how to pay it into their account,do you think 1st plus are doing this on perpouse so they can say i,ve not stuck to what the judge said for me to pay them monthly payments,

yes,but as soon as you get your reproo you must get in touchwith the fos and they will fast track it

it was a cc

fos told them to sort it out,the judge said he couldn,t go ahead when 1st plus solictor didn,t know the true amount of the arrears,so he said they had to try again after 21 for the repossion order,so without the letter he would of gone ahead,thats why you need to send to the fos as soon as you can,ell-en did me a witness statement which would of got the repossion order stayed,so that was a god send,

firstly you most send the repossion notice to the fos and get your ppi claim fast tracked,as this is what i had to do,the fos got in touch with 1st plus and now they are taking all my payments off my arrears and putting the loan back to as if i never had the ppi,but do it as soon as possible,because i was very very lucky,i got the letter offering this off 1st plus on friday the 25th and i was in court on the 28th and it was so import to have this letter and the witness statement that ell-en gave me that got my case adjorned.

just had letter off mbna, offering me £2782 ppi payments, associated interest £489, interest at 8% £454 distress and inconvenience £100 grand total of £3825 i had to go to fos so its been about 1 year since i started the claim,so if anyone wants to know what letters i sent just give me a shout and i,ll post them up,then at least you will be able to counter any rejection letters you get off mbna.

ellen,i must admit i didn,t sleep at all last night with worry,but when i got to court the staff were really nice,when i looked at the court board there were about another 8 cases with 1st plus,s names on them,the staff asked me if i wanted to see the duty officer,i went in and seen him and he told me he would come in with me,i gave a few of the details and showed him the letter from the fso and your new statement and he told me it would get adjorned,which is good as i can save more money up,when i went in the other solicitor tryed getting the judge to go ahead,but he asked him what my arrears were and when he couldn,t say,he tried telling the judge to add up the ppi payments to try and work it out,the judge told him he was not prepaired to sit there and calculate them so once again thanks

good news,the judge as adjorned the case for 21 days,as they didn,t have the figures of what the ppi settlement would be,so they didn,t know the true figures of my arrears,thanks ellen

thanks very much,we,ll let you know how i get on

hi,ellen any chance of doing my new statement before tomorrow,thanks

hi,it works out that i,ve paid £6700 with 8% already added (as fos said this is what 1st plus have to do) and £3640 which i,ve not paid but is in the arrears total.

good news,the fos have sent me a letter today stateing that 1st plus have agreed to settle my complaint about ppi,fos state that 1st plus have to settle it based on the general approach that the fos takes when they decide that a consumer has been mis-sold ppi,in the letter it says 1st might be busy so they may take up to 8 weeks,hope i,am not jumping the gun but will the judge take this in account when i go on monday.

thanks very much,will get it there tomorrow

yes there up to £23987 from £22814

that would be great if you could write me a statement up,i,ve got a copy of the letter i sent them with proof of posting,yes i sent them a budget sheet