You must be seen to be making payments that would result in the arrears being repaid over the term of the mortgage. Once you have the judges agreement on that you can then ask the lender to capitalise the arrears, the same effect. Also suggest it to the bank at every opportunity and then start paying the mortgage at that level. The judge can then see that you have made a reasonable request and that you are able to make these repayments. it is highly unlikely that a judge will give a repossession order if you are paying and clearing the arrears. He may will give a suspended order though, but this will only last for 6 months (normally).

I had a repo order while I was in dispute, the judge refused to listen to my explanation that we were in dispute, so be careful, judges can be a law unto themselves and they are not on your side! Have you been in constant contact with your bank? I made the mistake of getting argumentative with them, which did not help. Certainly write to you bank and restate the problem, also state that as the PPI was a requirement for you to get the mortgage, could they assist you in making a claim as the insurance company is not responding to you. Ask them to cancel the repossession order and help you to get the Halifax Insurance company to pay. They probably won't but it is certainly good brownie points with the judge, because you have asked them for help. State that when the insurance company pays that all the arrears will be cleared immediately. Make sure the judge can see that you are being polite, responsive and that you are seeking help from them in this difficult situation. Also keep writing to the insurance company. As for how much you should pay, I cannot advise you on that, but be prepared to pay it all if you have to.

I had a repo order while I was in dispute, the judge refused to listen to my explanation that we were in dispute, so be careful, judges can be a law unto themselves and they are not on your side! Have you been in constant contact with your bank? I made the mistake of getting argumentative with them, which did not help. Certainly write to you bank and restate the problem, also state that as the PPI was a requirement for you to get the mortgage, could they assist you in making a claim as the insurance company is not responding to you. Ask them to cancel the repossession order and help you to get the Halifax Insurance company to pay. They probably won't but it is certainly good brownie points with the judge, because you have asked them for help. State that when the insurance company pays that all the arrears will be cleared immediately. Make sure the judge can see that you are being polite, responsive and that you are seeking help from them in this difficult situation. Also keep writing to the insurance company. As for how much you should pay, I cannot advise you on that, but be prepared to pay it all if you have to.

Just saw this one, how did the interview go?

I am not sure but from your message it looks like you have an option for a PPI claim. If this is likely to reduce the debt considerably it is certainly worth pursuing immediately. Secondly get the original agreement checked out. Thirdly, while this is going on you could make them a "full and final offer" of about 10% of the debt. If they sell a disputed debt then they are in trouble, and it is highly unlikely that in the current climate they would get 10% from a debt collector, so if that is the lowest cost/highest gain for them you could find you are free and clear for little cost.

Going for the charges could also confuse the issue with them, and it is something to look at if needs be later.

They cannot make any negative reports against you if you are making agreed payments, even if they are below the amount required within the original agreement. You may also be surprised to find that they cannot substantiate their claim to be the legal owners of the debt. It is highly likely that they have not been sent the relevant paperwork by the original lender.

Did you take out the insurance with the Halifax at the same time as you took out the mortgage? If so talk to the broker/account rep that sold you the package. Also read the section on mis-selling of PPI. My advice (for what it is worth) is write letters on a continuous basis and phone to check they have received them. Also talk to Halifax and refuse to be put off by them saying it is in the hands of their solicitors. If they say that write to them expressing your frustration that they are refusing to discuss the problem with you. Make sure that you can then show this to the court if you end up there. Make sure you are making any payments you can afford, otherwise you could end up loosing your home on a matter of principle. Also you could have a case for mis-selling of PPI and perhaps get compensation. Worth looking into.

Did you take out the insurance with the Halifax at the same time as you took out the mortgage? If so talk to the broker/account rep that sold you the package. Also read the section on mis-selling of PPI. My advice (for what it is worth) is write letters on a continuous basis and phone to check they have received them. Also talk to Halifax and refuse to be put off by them saying it is in the hands of their solicitors. If they say that write to them expressing your frustration that they are refusing to discuss the problem with you. Make sure that you can then show this to the court if you end up there. Make sure you are making any payments you can afford, otherwise you could end up loosing your home on a matter of principle. Also you could have a case for mis-selling of PPI and perhaps get compensation. Worth looking into.

I definitely think this one is for the bank charges route, but you may want to find out if you have any other recourse if you never actually signed the agreement.

In many cases the PPI does not actually provide the cover needed. IMHO If LTSB are giving back all the premiums and the interest on the premiums then I would take it.

I think you should read the money saving expert site and their advice on PPI claims. It is very good.

Did you sign up for their service online? or fill out a direct debit form? if not ask your bank why they have done this and ask for a copy of the authorization to take money from your account

A&L closed my account earlier this year because I wanted my bank charges back. How should I approach this? Over the last 2 years I have been charged over £2,000 in charges and they closed my account when I refused to pay them the last £700.

yes, a SAR is always made to the company that you have the account with.

It is well worth checking out the Consumer Credit Counselling Service, they are very good at helping people to negotiate with the banks to get a reduced payment plan put together. Also if you go to court with a proposal to clear the arrears within 48 months then there is a good chance you will get a suspended order.

I think that you need to confirm that you have paid this bill through your own bank if you used online banking/DD to pay it. If you wrote a cheque, check you cheque stubs. It you paid in a post office/bank by cash then you should have used a giro payment attached to a bill. If you have no means of checking this from your own records then a SAR is important. The concern I have is that you "think" you have paid this and that you are not sure, unfortunately I have been in the position of not keeping good records in the past and have come unstuck myself, so it is a very good idea to get a good record keeping method. Online banking can be very useful for this.