Ell-enn Thanks for your replies late yesterday and early today. I am at court in South Sheilds Tyne and Wear (Market Place) at 2pm. I am keen to get this over with and save my home, however slightly nervous I just hope I dont go to pieces in the room, and that I protect my partner and our kids. I have just looked at my kids as they are still in bed asleep, and I shed a tear wondering if their nice house etc will still be theres when they return from school later today...( a little negative I know). Thank you for all your help over the last few days, and you will be the first to know the outcome. Thanks

Ell-enn Thanks for your replies late yesterday and early today. I am at court in South Sheilds Tyne and Wear (Market Place) at 2pm. I am keen to get this over with and save my home, however slightly nervous I just hope I dont go to pieces in the room, and that I protect my partner and our kids. I have just looked at my kids as they are still in bed asleep, and I shed a tear wondering if their nice house etc will still be theres when they return from school later today...( a little negative I know). Thank you for all your help over the last few days, and you will be the first to know the outcome. Thanks

Ell-enn Thanks for the advice for tommorow, god my stomach is churning. If the rep from the other side tries to speak to us and I agree, are there things I should be carefull of? what might they be (am I looking for problems here) should I just let it take its cause and hope the judge goes in my favour..or is that without doubt? that he will . Sorry to bleat on about this but it is last minute nerves, oh and on my budget sheet should I make sure that all I have left is what I am offering for the arrears, and I have rad the norgan case which is interesting, but if the judge asks me about it do I rattle a load of nonsense to him or is there a description I could refer to (laymens terms) Thank you

Ell-enn Thanks for the advice for tommorow, god my stomach is churning. If the rep from the other side tries to speak to us and I agree, are there things I should be carefull of? what might they be (am I looking for problems here) should I just let it take its cause and hope the judge goes in my favour..or is that without doubt? that he will . Sorry to bleat on about this but it is last minute nerves, oh and on my budget sheet should I make sure that all I have left is what I am offering for the arrears, and I have rad the norgan case which is interesting, but if the judge asks me about it do I rattle a load of nonsense to him or is there a description I could refer to (laymens terms) Thank you

Ell-enn This may sound strange, but I cant wait for Friday as I have been lifted within myself because of your help ,advice and understanding. I will be online tommorow at 7pm sharp, speak then. Goodnight

Ell-enn This may sound strange, but I cant wait for Friday as I have been lifted within myself because of your help ,advice and understanding. I will be online tommorow at 7pm sharp, speak then. Goodnight

Ell-enn Unbelievable..that statement is great, I shall get my puta sorted tommorow and ake to court on Friday morning early. Will the judge ask me who wrote the statement, and how do I know about the norgan case?, or will he see it as positive action by myself and partner to actually help our cause?. Thanks again..( should sleep tonight ) Will you contact me tommorow and what time to go over what happens on the day. Ta

Ell-enn Unbelievable..that statement is great, I shall get my puta sorted tommorow and ake to court on Friday morning early. Will the judge ask me who wrote the statement, and how do I know about the norgan case?, or will he see it as positive action by myself and partner to actually help our cause?. Thanks again..( should sleep tonight ) Will you contact me tommorow and what time to go over what happens on the day. Ta

Hi Ell-enn We can safely afford £100.00 per month off arrears. is that enough? I also have about £400.00 cash available for Friday if this will help? You can do statement now if you wish. I await your reply ( hopefully I will get some sleep tonigt) Thank you

Hi Ell-enn We can safely afford £100.00 per month off arrears. is that enough? I also have about £400.00 cash available for Friday if this will help? You can do statement now if you wish. I await your reply ( hopefully I will get some sleep tonigt) Thank you

Ell-enn I have just got a shudder through my system as I read your reply 'positive though', and my partner read it too. Now my printer says faulty port and cant print??? ( just my luck) can I fill out budget form on the pdf you sent me then transfer it to mail then e-mail the court along with your statement? if not then I will save all of this then take to mates puta and print?. Sorry to confuse the situation Ta

Ell-enn I have just got a shudder through my system as I read your reply 'positive though', and my partner read it too. Now my printer says faulty port and cant print??? ( just my luck) can I fill out budget form on the pdf you sent me then transfer it to mail then e-mail the court along with your statement? if not then I will save all of this then take to mates puta and print?. Sorry to confuse the situation Ta

Thank you for the reply andie I shall keep you all informed. Thanks

Hi Ell-enn In answer to your questions... 2 kids at home 5yrs and 7yrs I can make next payment by end of this month (March) along with arrears offer..(tba) Motgage is in joint names Last payment paid.. 1/7/2008.and I Never missed a payment previously and prior to not having any work.the missed payments have been consecutive since my loss of work, I took out the loan on 25/oct/2005. Arrears are £2.767.26 to date 24th Feb Hope that is enough for you Ell-enn I am getting very unsettled here and my partner is 'beside herself' Seriosly will we be ok and wil the judge go in my/our favour and if so under what tearms? Thank you Stephen

Hi Ell-enn In answer to your questions... 2 kids at home 5yrs and 7yrs I can make next payment by end of this month (March) along with arrears offer..(tba) Motgage is in joint names Last payment paid.. 1/7/2008.and I Never missed a payment previously and prior to not having any work.the missed payments have been consecutive since my loss of work, I took out the loan on 25/oct/2005. Arrears are £2.767.26 to date 24th Feb Hope that is enough for you Ell-enn I am getting very unsettled here and my partner is 'beside herself' Seriosly will we be ok and wil the judge go in my/our favour and if so under what tearms? Thank you Stephen

Hello ta all and Good Evening I too have probs with them buggers 'up the road' and I have done for many years. I went to court 6 mth ago and agreed to a monthly payment, and was advised that if i missed a payment I would face 42 days in jail or my driving licence taken away, guess what..I recieved a summons today to appear on 20th March, and take my licence with me and a (bag full of clothes). Over the last few month I have spoken to the CSA over the phone asking for a reduced payment and heard nothing, then today I got the summons? Any ideas on what to do next? Should I enrol the help of a solicitor..(legal aid of course) Thank you Stephen

Hi Ell-enn Thank you for the reply. if i put down how much I want to pay back each month then make it what is left from monies coming in, will the judge ot say that I am on the bread line and give repo? the mortgage is in joint names and I have two kids at home 5 and 7 yrs. should I adjust the figures on inc exp form to suit my repayments? Thank you Stephen

Hi Ell-enn Thank you for the reply. if i put down how much I want to pay back each month then make it what is left from monies coming in, will the judge ot say that I am on the bread line and give repo? the mortgage is in joint names and I have two kids at home 5 and 7 yrs. should I adjust the figures on inc exp form to suit my repayments? Thank you Stephen

Wonderfull news, well done to you, and well done to all that have given her advice.. specially Ell-enn. Mr

Good Luck for your hearing today.

Hi all and thanks for your replys, but I am still confused..here goes.. If I CCA my cards and my partners cards and they all reply in time and their proceedures are correct, then what would happen would they be offended that I have requested the CCA and would that jepordise any future help I may require? If there proceedures are incorrect then whats my plan and eventually the outcome? Thank you

Thanks for the reply..yes it probably does link to my other posts but I cant attach them as I dont know way round forums/site yet. Would you be so kind as to have a look for yourself then maybe answer it for me. Many Thanks

Hi just me again Today I have had 5 calls from TSB (never answered) and a letter from them hasling for ££££. for my cc, and 2 calls re my loan. As per my last post, my partner recieved a letter today from Debitas..NOTICE OF IMMEDIATE ACTION wanting to pass acc to external dca dated 1/12/08. She also recieved a letter from Capital One dated 29/11/08..?? (yet they both arrived together..this letter goes on to say she has not kept to her plan and that because they de faulted her that they can no longer offer any help, ( she's upstairs crying) then they go on to say that when transfered the debt co will be able to offer help in repaying?? I have also opened our new bank account so there is no traffic at all going through Lloyds TSB. What do I do next???/ Thank you

Hi 42 and midge Does that make a difference if they are in 'house' I am still confused about the cca and sar thing what I mean is.. why havent I requested this before? why wait till they want my blood, and is the sar going to help me in the long run ? and will the debt be on hold till they sort the cca or sar? I need help quick as I must send a reply off by fri/sat. Thank you

Hi and Good Morning How do I close my account with this bank as both myself and partner have loans and cc with them, we have new acc with other bank but when I told them I want to close and they said that they would transfer all dd's(bad idea I know) I even hinted that I would be making token payments etc etc. and that started alarm bell's thay asked me who I had discussed matter's with? What do I do with this scenario? as I need to advise them of my intentions. Thank you in advance:)