Hi Ell-enn Have got our little "monster" with her grandparents tomorrow so I can really attacj this with vigour. I would really be grateful if you could give your opinion on my questions in last post and any advice for the Question 27 would also be great. I was hoping to complete tomorrow and then take to courts so they have time. Thanks so much !

Hi Ell-enn Have got our little "monster" with her grandparents tomorrow so I can really attacj this with vigour. I would really be grateful if you could give your opinion on my questions in last post and any advice for the Question 27 would also be great. I was hoping to complete tomorrow and then take to courts so they have time. Thanks so much !

Q27 help would be greatly appreciated thanks Ell-enn. I do not also know whether to give detail on the following and would welcome your advice. Presently on the budget sheet my income is showing as £400 stat maternity, although I am due to go back in August 09. I am currently going through a period of potential redundancy (forget the exact title) consideration I think ! and I would be paid in Feb 3 months notice, redundancy and outstanding maternity pay which should amount to nearly £12k and I would clear arrears If I am not made redundant I would be back taking home £1500 per month (subject to some childcare deductions) and this would also dramatically improve our family income position. Would welcome your guidance and help wit the statement. Thanks so much again

Q27 help would be greatly appreciated thanks Ell-enn. I do not also know whether to give detail on the following and would welcome your advice. Presently on the budget sheet my income is showing as £400 stat maternity, although I am due to go back in August 09. I am currently going through a period of potential redundancy (forget the exact title) consideration I think ! and I would be paid in Feb 3 months notice, redundancy and outstanding maternity pay which should amount to nearly £12k and I would clear arrears If I am not made redundant I would be back taking home £1500 per month (subject to some childcare deductions) and this would also dramatically improve our family income position. Would welcome your guidance and help wit the statement. Thanks so much again

Firstly thanks for your concern and Ell-enn for your support. The mortgage is just in my partners name since he bought the house in 2001 and I moved in, in approx 2003. We only have 1 little one who is just approaching 5 months old. Thanks to Gordon Brown and his boys our mortgage payment has dropped to £420 and in addition to this we would now be able to afford to pay an additional £180 a month comfortably and upto £300 at a real stretch. I am grateful for your advice and have completed a budget sheet which I got from another thread you posted and this backs up my offer. Thanks again

Firstly thanks for your concern and Ell-enn for your support. The mortgage is just in my partners name since he bought the house in 2001 and I moved in, in approx 2003. We only have 1 little one who is just approaching 5 months old. Thanks to Gordon Brown and his boys our mortgage payment has dropped to £420 and in addition to this we would now be able to afford to pay an additional £180 a month comfortably and upto £300 at a real stretch. I am grateful for your advice and have completed a budget sheet which I got from another thread you posted and this backs up my offer. Thanks again

Thanks Bona, will have a look through a few other threads and see if I can locate a letter offering payment, presumably trying to offer a lump sum and agree a repayment schedule. Thanks for your time.

Thanks Bona, will have a look through a few other threads and see if I can locate a letter offering payment, presumably trying to offer a lump sum and agree a repayment schedule. Thanks for your time.

42 man - great letter and will go off also.. Thanks for your help...

Thanks Jansus, Date is the 15th and have held off trying to speak with Abbey as do not want to do/say the wrong thing on the phone. I am happy to call them and make a payment, although in the back of my mind wanted to hold the money as if the judge ruled repo to Abbey at least would have some money for rental deposit (real worst case scenario) If we feel it would look better and repo unlikely will pay today. On the form I was going to do it electronically today as the court wants it as early as possible and I think I have all of the information they require. Would be grateful for any further advice.. Thanks again...

Thanks Jansus, Date is the 15th and have held off trying to speak with Abbey as do not want to do/say the wrong thing on the phone. I am happy to call them and make a payment, although in the back of my mind wanted to hold the money as if the judge ruled repo to Abbey at least would have some money for rental deposit (real worst case scenario) If we feel it would look better and repo unlikely will pay today. On the form I was going to do it electronically today as the court wants it as early as possible and I think I have all of the information they require. Would be grateful for any further advice.. Thanks again...

Thanks people.. I am happy to deal with the fact they may find them and will handle accordingly. The credit cards have been taken out from 1997 to 2006. Will keep one thread for now and try not to go into too much detail as I do not want to update loads and struggle to keep the trail up to date. Thanks again.. Just so I am prepared after the account in dispute letter what would the next steps be ?? - just want to know what to expect

Hi there, I have been gobbling up all of the information from this site for a couple of months now and have requested copies of all of my cards and my partners cards CCA. Only HSBC have sent back an original photocopy and this did not have the prescribed terms anywhere near. Citicard/Barclaycard/Llloyds/Cap One/Sainsburys and Halifax have all pretty much sent back a standard letter saying these are our current terms and conditions and under section 78 of the consumer credit act they do not need to supply us with anymore. I am pretty sure this practice is illegal, or at least unacceptable and would really welcome some advice on how to take the next steps ?? Thanks for any help !

Hi all, I am new to this site and have found some really useful information on here already. My partner was dealing with this (with some help from here I think) although his admin is terrible and we need to get this right so I am going to take over. Situation is that we owe £4k in mortgage arrears to Abbey who are taking us to court for repossession. Partner left work in May after a dispute then our little one came early in August and one thing led to another and we are now behind payments in a lot of areas. He has recently started his new job and we will be in a position to offer Abbey a lump sum then additional money each month till the arrears are cleared. The questions from the court seem clear as I am not disputing the arrears and have a settlement to offer. In your experiences is there anything I should be especially aware of when we go to court and should I make the payment now or wait to see the judge ?? Hopefully once we get there and come to an arrangement we can move our lives forward. Any help is appreciated.

Hi all, I am new to this site and have found some really useful information on here already. My partner was dealing with this (with some help from here I think) although his admin is terrible and we need to get this right so I am going to take over. Situation is that we owe £4k in mortgage arrears to Abbey who are taking us to court for repossession. Partner left work in May after a dispute then our little one came early in August and one thing led to another and we are now behind payments in a lot of areas. He has recently started his new job and we will be in a position to offer Abbey a lump sum then additional money each month till the arrears are cleared. The questions from the court seem clear as I am not disputing the arrears and have a settlement to offer. In your experiences is there anything I should be especially aware of when we go to court and should I make the payment now or wait to see the judge ?? Hopefully once we get there and come to an arrangement we can move our lives forward. Any help is appreciated.