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About gaz1967

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  1. Hi, Firstly a big thank you as without the help of CAG last year my girlfriend would have lost her house. Unfortunately its my turn to get myself out of a mess. Up until a couple of years ago I was working as a pro singer and living in my own house with my wife and children. My marriage had been shaky for years and ultimately things didnt work out. Around this time my voice started to fail as i had developed a hardened vocal chord. I had also bought into a company catering for large outdoor events, just as the recession started to kick in. Things snowballed pretty quickl
  2. Hi Wic, as Ell said start a new thread is easier to keep tabs on Best Wishes Gaz
  3. Hi all, Thank you so much for your sentiments! Yes it does feel like we are truly starting our lives together and the sun's come out at last! (metaphorically speaking hee hee) Just updating that not only are Natwest listening at last (on the strong advice of their solicitors who are not unsympathetic to our case hee hee) but Juliette has been offered a different mortgage which saves her quite a bit a month. Does beg the question why couldnt this have happened 6 months ago, but hey ho! So just wanted to say THANK YOU ALL YOU LOVELY WONDERFUL HUMAN BEINGS!!!!! And for anyone
  4. Hi all! Latest update, solicitors wrote back and seems Natwest are always open to discussions lmao! Sure thats why they told us to go thru their solicitors! Anyway after a letter indicating that an instalment plan would be acceptable from Irwin Mitchell and a very good conversation with a guy there we have been talking to throughout this, Irwin Mitchell are strongly advising Natwest to accept our offer and have said to us off the record that we should appeal immediately if they don't. Seems we have been hard on the solicitors in error as we thought it was them who represented Natwest in c
  5. Hi Ell, Yes did send the I and E with letter, and its a loan not mortgage just in case you needed to know . Will send letter and cheque tmoz in accordance with your advice. Many Thanks Gaz
  6. Hi Ell, Doh! Already sent letter but can send another maybe tmoz? Will do recorded delivery too? Many Thanks Gaz
  7. Hi Ell and Bona, Hope the sun is shining there too! Will speak to Ju about it later and sending the letter today. Payments have been made up until the debt management plan was canceled approx 1 month ago. So what should we now do with regards payment and who should we make it to? Reason I ask is obviously we want to ensure this looks favourably on us and we are doing what is necessary to prove our good intent, to the court if necessary. Also did the I and E sheet using the flash based form, but would prefer to do one where we are able to put in the figures and arranged payment
  8. Hi Ell, Just a quick question. Had chat with Ju about waiting to see what will happen at the hearing and she has the same reservations as me about what powers we have if we wait? Have drafted letter you sent, thank you, and will send according to th details you specified. Still no response from Irwin Mitchell to emails, so should we bother phoning them? Personally I think that documented evidence will carry more weight than a phone call? Many Thanks Gaz
  9. Hi Ell, Thank you for the quick reply and no worries when you get back to me, the fact you do is a godsend! xxx Will speak to Ju later about you suggestion. In the mean time will get stuff to you later, as can't find the I&E so she prob taken paperwork with her today as she was going to phone them. Will draft the letter also, try and get as much prepared for whatever is going to happen! Hope your internet problem is resolve soon, feels like I lose a limb when I have problems grr! Best Wishes Gaz
  10. Hi ell, Does it help? Bloody well think so think so!!! Thank you so much xxx Did the I and E some weeks ago just need to transfer it onto prettier form lol and will send you today. Yes payments have been regular right up till cancellation of DMP, and subsequently we offered the revised figure, but as I said we have heard nothing grr! Little worried about waiting. Just feel they have acted in a devious or disregarding way so far (sorry tend to err on side of paranoia!) so wanted to ensure that all options do remain open by appealing? Also am including what i have written in the docu
  11. Hi Ell, It is a possession order to be enforced on the 24th. Still nothing from Irwin Mitchell! Really very annoyed at how they have operated! We were talking about the whole thing last night and are quite concerned at how Natwest and their solicitors have stonewalled us. Juliette is going to phone them this morning to ask why they haven't had the decency to respond to us. My personal opinion is to press ahead with the appeal as I really do not think they can be trusted. She has done pretty much everything that has been suggested at the last hearing, and I feel that because of that
  12. Hi All, Apologies for the delay. Been away for a bit sorting out my own personal affairs but Juliette has kept me posted. Situation at present is Natwest will not talk to us directly so we have tried to speak to their solicitors Irwin Mitchell. Despite repeated efforts they haven't responded to us once. We know that at least 8 people from their offices have looked at our email so we feel they are just messing us around hoping to take posession on the 24th. We made them an offer of £300 a month ( which the district judge at the last court hearing clearly indicated he would consider accepta
  13. Hi All, Just a quick update. Have done the I and E (will be forwarding copy to Ell-enn) but its looking pretty good! Don't wish to sound foolishly optimistic but with all creditors being paid and including an offer of £300 p/m to Natwest my partner (Juliette by the way lol) should be able to cope with it on her own. I know that was a very big boost to her as I think we both feared a scenario where her debt was more than she could afford and would have left her reliant on help from me or for instance if it wasnt me then no way she could have coped alone. Obviously I am going to help but n
  14. Hi Ell-enn, Bona, Olives, Tawny, Sorry for the delay been a busy weekend but hopefully well on the way. Have done an up to date I and E sheet, but have a few questions if you could help? Based on my partners income (including keep from elder son, child benefit and tax credits) we have a £700 a month excess. There's probably things we have missed and I would prefer to PM it to someone if that's ok just to see if you can guide us a little, but the important thing is that its based on an offer to Natwest of £300 a month. Original loan payments to them were £310. We did contact Natwest (litig
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