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About atom02

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  1. Thank you for the reply - it grates to know it failed because I didn't know any better
  2. I have not been back on here for a while due to many other personal issues. Please does anyone know if a set aside application can be made more than once on different grounds? Any help will be much appreciated
  3. I have a book containing terms and conditions (far too big to copy & post on here) - any idea where I should be looking? Is there likely to be something stating 'all monies charge'?
  4. Thanks Lea...unfortunately, I am confused by this twist. They haven't provided the agreement despite many requests so it will be difficult to get anything done on that angle b4 tuesday. So I have pointed this out in my statement and will keep the ss.8 & 36 in my war chest. I thought because the other lending was on a OD, the Coutts v. Seb case might come in useful? Do you have any thoughts on this?
  5. please can anyone tell me what it means to adjourn a money judgment generally? what are the implications?
  6. Please does anyone know if I offer monthly payments less than what the bank wants whether the Judge automatically grants the repo? For example, if the bank says the monthly payments are £500 and I offer £350 (which is what I can demonstrably afford), whether this is ceratin to end in a repo being granted or the court will take circumstances into account? For anyone willing and able to help, your comments are appreciated. Thanks - atom
  7. clearly no assistance forthcoming then?? incredible
  8. I have been making token payments of £35 towards the OD which I can probably continue maintain in the meantime.
  9. no, unfortunately not but I have an offer likely to be confirmed in september.
  10. Hi Ell-enn, Thank you for looking in. To avoid repetition and possibly omissions (am not thinking straight just now), please see the attachment in post #3. Yes - they are demanding the amount they say it is overdrawn by. They have called it a mortgage current account OD and want the current interest amount of £200 per month, which I can't afford. For the other questions, here are some answers: 1. Not at the moment but might be able to in about a month or two. Unfortunately, don't have untill then... maybe this hands them the repo? I don't know. But am trying to raise some m
  11. Please do not apologise. Sorry if my answers are a bit curt. My reserves are being tested by this experience
  12. no - it isn't. Just a fixed rate mortgage I asked for and to which they bolted an OD acct. I nolonger have any other active accts with them. At the end of the fixed rate, a new rate (as above) is applicable
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