Not sure if I am in the right place but.....after 2 years of arrears with GE Money on our mortgage where they refused to help in any way, suddenly towards the end of last year we were contacted by the Customers Solutions Team. I am on my third member of staff as they all keep leaving and each time have to go through the whole story and send in new bank statements. From Feb this year our mortgage payments dropped by nearly £400 per month, so we are now able to pay this no problem, our utilities are upto date and we seem to be getting sorted financially. Our unsecured credit is a credit card and loan due to be paid off in the next 4 months, GE will not look at capitalising the arrears or helping further until we agree to put these unsecured debts with payplan. I am fully aware of payplan and have spoke to them, but to cut a long story short we do not want to go onto debt management as we are coping ok. If GE had suggested PP 2 years ago then maybe it would have been more helpful. I guess my question is can they make us go with PP? The arrears are now stable as we are making monthly payments but do remain at £4,000, albeit we need to think about re claiming GE charges as well. Any ideas or advice would be welcomed!

Ok,so we have had ongoing issues and arrears with GE Mortgage for a while now. From February this year this year the mortgage came off its fixed rate and our payment has come down by nearly £400 per month. We are managing the new payment but since last September have been dealing with GE Customer Solutions to try and sort out the arrears issue. It would seem they are not keen in offering any capitalisation of arrears? We are uptodate with all utilities but we do have a loan, and a large credit card to pay off, GE will not come up with a solution until we put the loan and credit card onto payplan. BUT we are paying everything, ie we can pay the mortgage, the bills, the cc payment now due to the reduced mortgage payment. I understand them when they say due to our past history they will not offer any other repayment plan but my partner really does want to go on DDM plan as the loan is fully paid in a few months releasing another £192 per month, and he wants to try and retain some credit history. So my question is what do we now do about GE? Can they really refuse any plan unless we do this? We are not building up anymore arrears now as we can make the payments

Ok,so we have had ongoing issues and arrears with GE Mortgage for a while now. From February this year this year the mortgage came off its fixed rate and our payment has come down by nearly £400 per month. We are managing the new payment but since last September have been dealing with GE Customer Solutions to try and sort out the arrears issue. It would seem they are not keen in offering any capitalisation of arrears? We are uptodate with all utilities but we do have a loan, and a large credit card to pay off, GE will not come up with a solution until we put the loan and credit card onto payplan. BUT we are paying everything, ie we can pay the mortgage, the bills, the cc payment now due to the reduced mortgage payment. I understand them when they say due to our past history they will not offer any other repayment plan but my partner really does want to go on DDM plan as the loan is fully paid in a few months releasing another £192 per month, and he wants to try and retain some credit history. So my question is what do we now do about GE? Can they really refuse any plan unless we do this? We are not building up anymore arrears now as we can make the payments

Ok,so we have had ongoing issues and arrears with GE Mortgage for a while now. From February this year this year the mortgage came off its fixed rate and our payment has come down by nearly £400 per month. We are managing the new payment but since last September have been dealing with GE Customer Solutions to try and sort out the arrears issue. It would seem they are not keen in offering any capitalisation of arrears? We are uptodate with all utilities but we do have a loan, and a large credit card to pay off, GE will not come up with a solution until we put the loan and credit card onto payplan. BUT we are paying everything, ie we can pay the mortgage, the bills, the cc payment now due to the reduced mortgage payment. I understand them when they say due to our past history they will not offer any other repayment plan but my partner really does want to go on DDM plan as the loan is fully paid in a few months releasing another £192 per month, and he wants to try and retain some credit history. So my question is what do we now do about GE? Can they really refuse any plan unless we do this? We are not building up anymore arrears now as we can make the payments.

Anyone? Went back to payplan who GE said we had to work with but due to a drop in income we have no spare money for other creditors so payplan cannot help and will no longer communicate with GE?? I thought that was the whole point. Spoke to a very rude person at GE, everyone I get to know leaves the company, very interesting, who just said they needed a payment. My question now is if by an chance I can borrow some money from family which may settle some of the arrears would GE agree to this??

I have a similar problem, no income for 2 months and waiting for JSA, my Ulimate Reward was just over the £100 overdraft limit, I have just checked it now and it stands at £337!! As if I have not got enough to worry about with larger other debts. Is it best to write to the halifax or did you deal with them by telephone?

Would it be better to apply in person? Just spent 30 minutes in a phone box and just continually waiting. Is it worth going to the job centre. Thanks

Thanks for your help, do you know how much I can apply for? Its just ive never done this before and dont know if there is a limit etc.

Ive just completed a JSA Claim, cant get tax credits due to previous earnings so will see what happens.

Thanks for your replies, do you know if I can apply for a crisis loan?

I have nothing but still technically self employed so thats what I was informed but I have little knowledge of benefits as not had to do this before. I have applied for over 40 jobs in the last 2 months but in the meantime not sure how I live.

Hi To cut a long story short I have battled with GE over arrears and asking for their help for over 2 years, a few months ago I dealt with the customer solutions team who agreed a reduced rate for 3 months. We still could not make December's payment and now I just think they will re possess. I am going to be going after them for charges and also I feel I may have been mis sold the mortgage originally by the I Group *but thats to look at later. Whats frustrating is that our rate drops as from 23rd January and the payment will be nearly £300 lower per month, we could then afford to rent out the house. Any ideas or help??

Hi I need some urgent advice, due to several months of no work *i am self employed and not being able to claim any benefits, I am in a desperate situation. If I do not make my current mortgage payment I will have no home, I literally have no money and cannot borrow any. Can I apply for a crisis loan? Thanks in advance

How do get GE to capatilise? Ive been asking this for ages and are informed they wont unless I can make 3 months payments regularly, which I cant hence my problems!! They are very unhelpful.

Each time I ring they ask me to explain why I am behind with payments, complete idiots as if anyone wants to be in this situation. Do they not log any customer details? Still the same wont do anything to help