l am absolutely fuming, we just had word from ASU stating that they do not hold our insurance for the ppi anymore and that we were aware of this. So l have now written to the wrong company asking for a claim form as we were not aware of it at all. l get the feeling this is going to turn out bad, and be a little more stressful than l first thought. Pat.

Hi, We have PPI with ASU, l have read the T&C's over and over and can see nothing about then not paying up if were in arrears or such, seems we just need write off for a claim form, apply and see what happens, fight if they refuse as we have 13 weeks until the benefits office would offer help if we get no joy. lm going to write to Capstone again, stating the agreement will be brought up to date this coming Thursday, include a copy of my policy (again) and insist they remove the insurance from the account. l will send all by recorded delivery. The policy for the PPI seems very straight forward, l just hope everything works out. Thanks again.

Thank you so much for your reply, that helps heaps. We will be lucky if the total redundancy plus wages in lieu reaches £4000, we have no savings, neither do the children. Our £500 mortgage is scaring us but hopefully we can get a little help, l will definitely ask when we visit the benefits office next week, were hoping to get the ppi but have had problems. l am going to let Tax credits know as soon as my partner phones me next Friday to say he has his confirmation, the sooner we can get the ball rolling the calmer we will both feel, but thank you again, your have helped lift a huge weight Pat.

Thanks for the replies, much appreciated. They are at it again...only this time it gets much worse! Were behind in our payments by £110, well, in reality if they removed their insurance charges we wouldn't be behind at all! They would owe us. To cut a long story short, they STILL say they have received nothing and are adding £115 to our account for late payment, although l was originally told we would get a £25 charge for notifying them that we would be late with 1 payment as my partners work had messed up with his wages ie not paid them. l have had no 'breakdown of costs' for the legal fee's applied, still being charged insurance and they are driving me nuts. The 'worse' part. My partner has just been made redundant, we have ppi but have heard that because we now have the suspended reppo hanging over our heads that we hadn't followed terms set out so this probably will not cover our mortgage, does anyone know if this is right/allowed? We paid the ppi in a lump sum, it was added to the balance before we even made a payment. If they do indeed refuse, is there anything we can throw at them to keep them off our backs until we can sort benefits? l have been told in good faith this can take anytime from 13 weeks onwards to kick in if at all. We shall be paying the £110 to keep them happy this week, next months payment due 10th will be paid slightly earlier, lm wondering if paying up front for December would give us a little breather as when we do attempt to apply for the ppi we have to wait until my partner has been unemployed for 30 days. Hiring that solicitor sounds a mighty fine idea right now, but should l try get the clowns to give me some solid info regarding the ppi so he/she could maybe help with that too? Sorry if this sounds negative....lm just so angry at these people, my partner isn't getting a great deal in redundancy pay but l can just imagine ringing capstone to tell them, and them expecting to take every penny despite the fact we have kids. Many, many thanks in advance, Pat.

lm sorry if l am asking this in the wrong place, l have browsed various sites and am still slightly (ok a lot!) confused. My partner will be receiving his redundancy confirmation this week, we know at some point we will need to claim benefits to help us until he finds a new job, which is hoped wont take too long. This isn't a voluntary redundancy, others were 'laid off' too. What is confusing us most is, will his redundancy pay and wages in lieu be taken into account? lm sure they will but can find no solid proof plus the local job center/benefits wont tell us anything until we have an appointment! Am l right in thinking that the wages in lieu will be our income for how many weeks he has been paid for? So therefore not to make a benefit claim until that number of weeks has passed? Finally his redundancy pay, would we also be expected to make it 'last' us a fixed amount of time before we claim benefits. We have children, one registered disabled....so lm sure we would need to let Child Tax Credit know as soon as he gets confirmation. Were more worried about our mortgage, we may be entitled to help but wondered if paying up front a couple of months using the redundancy payment would be a good idea. Any help,advice would be gratefully received as were finding this whole process quite daunting/worrying. Pat.

Hello, Sorry its been a while since l last replied, had a few family emergencies to deal with. Up to now we are still being charged insurance by Capstone, l have since found out who this insurance is provided by, Royal & Sun alliance, we had an up to date statement delivered Thursday, £565 legal costs and over £400 insurance added, so our arrears are up to £3000 again! l have been asked yet again to provide a copy of my policy and only then will they stop their insurance, l have been in touch with Swinton and they have now sent the policy via post and fax twice each way and heard nothing in reply. So, l am going to write to Capstone again, enclosing our insurance policy. And lm going to ask for a breakdown in costs. Is there anything else l should do? Thanks in advance

Im in a bit of a pickle and wondered if anyone could tell me if lm heading in the right direction. To cut a long story short we pay Yorkshire water via weekly payments, only l fell behind with about 3 weeks worth when my partners hours were cut dramatically back in March, whichever payments l did miss l caught up with within a matter of weeks (budgeting to try keep all other bills paid) at the time we had trouble with our mortgage so l made that priority. Around a month ago l was £48 in arrears, Yorkshire Water took me to court, l wasn't aware of this as l had no paperwork sent but l did receive a CCJ letter yesterday which stated l had been more or less charged the full years water bill, which isn't even due to be paid in full until March next year, on top of this are costs so all together they want me to pay over £900 - yesterday! Today l have had delivered, a letter from a debt finance company saying they can help with the judgment (how did they even know when l didn't?) and a letter from Yorkshire water saying that unless l make payment now they will take legal action to obtain a charging order. They also threaten that this could mean they can get courts to force us to sell our home. lm furious, first off they are charging me for water l have not even used yet and l am angry that the way they have replied to a letter l sent them in April stating that we were suffering financial difficulty but would catch up a.s.a.p was to just take court action regardless, and not even bother contacting me to let me know. ls it worth me writing to Yorkshire water to complain, or should l just ask for a new payment arrangement to be put into place. On the court paper it states that l should write to the court if l cannot pay the debt in full yet Yorkshire water are insisting l contact them. lm really upset that they can take this action for payments that are not even due yet, my partner is out of a job at the end of the month and Yorkshire Water are aware of this as they told me that if we claim benefits payments could be made directly from our benefits. Any advice on how to approach Yorkshire Water/Courts would be great fully received Thanks in advance.

Hello l didn't mean surprise as in l was surprised, just surprise at the fact that ANW has said they would scream breech, just didn't expect them to try so quickly lol. We have the court paperwork, as l mentioned above. And 'our' date was right, Capstone were wrong. No wonder Capstone soon altered the date giving us more space when l rang to query them. l rang and made payment today only to be told at the end of the phone call that were still in arrears of almost £2000 far different from the £1048 l was told at last week, also now l had made payment of over £505 (usual monthly amount plus £70 only came to just over £500! but he quoted it as being more which l also queried, he couldn't answer!!) were still in arrears of over £1600 Am l wrong in thinking £2011 - £505 = £1506? when really it should have worked out at £1048 + £433.40 = £1481 - £505 = £976.40. Makes me wonder exactly how much they have added as costs!! According to him were ' up to date' . l obviously think otherwise. l recorded the phone call so am now going to write a stiff letter asking why they keep messing up and why they have not given me the 'costs' amount l asked for. l also want to know why l have not had a recent statement from them yet can have one sent out for £35! lm l able to also include something along the lines of 'your charges are unreasonable l want them paid back' so l can begin the claim? Time to start annoying them again

l have another problem, we now have the court papers and there is no mention as to how much the costs are. l have re-read the original court papers a dozen times and cannot find anything on them either

Hello again, l would love to write to the company stating that 8 weeks is unreasonable, unfortunately the company is family run and the 'top dog' is my partners bosses father, he approves everything then leaves his son to do the work. You have actually raised a good point there greendollar, we can do more and stand up for ourselves, the very worse that can happen is what my partner is being threatened with anyway, and in any case my partner would go back to the legal centre who would get the ball rolling anyway. Were just having a hard time figuring out what this company are trying to hide and how to make sure they do not get away with it. Thanks totiesquoties, l shall definitely let you know how l get on

His boss is adamant, the insurance say he needs a full license to continue working there, they are making it sound like my partner should be greatful for them allowing him a 2 month extension. His boss knows and has admitted fully that they are the ones in the wrong. l hate that they are making him (partner) feel he is the one doing wrong (which at the moment he probably is only under their instruction) he seriously hates working there now, says he feels no get up and go like he used to. But of course doing something silly to get sacked would only then land him in trouble. My partner works a 40 hour week, of course breaks and lunch are not paid for and he only works a 5 day week. The hours each week vary depending on what is to be done. Hours/wages were cut due to lack of work and some of the staff laid off, a lot of workers simply walked as the pay simply wasn't enough to live on. My partner is going to ask for a meeting with the boss after he has been to the doctor next week, he wants his boss to know just how badly this whole mess is affecting him, he cannot eat, dosent get enough sleep, he is quickly agitated and this in turn affects the kids who are upset as dad is upset and is 'different', he looks terrible and is so quiet, financially the lessons are causing problems, we can cope but when it comes to lump sums paying out for tests (and it might possibly take a few, not guaranteed to pass with the theory or practical first time round) there would be delays to save up, this certainly isn't gong to happen in little over 7 weeks. The boss knows this so whats he playing at by delaying sacking my partner when we know he just wants him out(well we know really, short staffed and without my partner the job simply would not get finished) l will certainly visit the CAB next week when my partner is at work (why l didn't think of that l just don't know, thanks!)

Hi Tortiesquoties, thanks for your reply. We feel like we are taking 2 steps forward then being knocked 5 steps back! We rang ACAS as soon as this all came about, it was them who referred us to the Legal Advice Centre. Our friend had asked his insurance company (as he deals with heavy machinery) about our problem, they stated that no full car driving license was needed as such, the vehicle would be insured as his were via chassis numbers, their main point was that if my partner was worried he should ask his boss for a copy of the terms of the insurance which stated he was still indeed 'covered' whilst driving the machine without a license being needed. My partner very politely asked to see this, just the part which said he was indeed covered to drive as he didn't want any problems creating for the company as well as himself....his boss said he had no right asking let alone seeing any insurance document they held. l have told my husband that we should seek advice from CAB, he would go in a flash but since the company found out that he is gaining advice from somewhere (we have not told them we rang ACAS or paid the legal centre a visit) they are very reluctant to allow him to have time off. They even questioned why he needed a day off when we were in court last month for a repossession ! (All this started a week before that so as you can imagine he was very stressed) The people here on CAG are wonderful, we had no much help and support whilst going through the repossession, we really would not have know which way to turn without all the help given. Insomniak, thank you. The poor workers don't even know half of the time when changes occur, a memo was sent out the day after my partners 2nd meeting stating changes within insurance, full licenses only. There is only my partner there who does not have one. My partner is very worried that he may be driving whilst he shouldn't be, he was more surprised that he couldn't be given anything definite in writing to state it was ok so we have kept the letters in which it is clearly outlined. The company have stated they cannot afford to make him redundant, l do not fully understand this but something was said about his job not being open to anyone else if he left, that's was why they changed their minds about suspending him l think. They seemed more interested in paying him off, the payment would be given as 'sympathy for his position'. Trust me, l know some of what his bosses are like, l have really drummed into my partner that he has to remain the perfect worker during our wait until 31st August, they know my partner is at breaking point but continue to harass him on a daily basis. Hi BankFodder, that could well be the case as there were a few incidents lately in workers losing their license/getting points. They were stopped from driving in work but it still makes us wonder why my partner is allowed to go back to driving when basically they are all being treated as having no full license. Your right it is the insurance and the employers who are at fault, l have lost count of the amount of times the provisional license had to be taken in to be copied. My partner is trying to pin point any mistake he may have made for all this to begin, l have told him until l am blue in the face that he shouldn't feel he has done anything wrong as he really hasn't. They refused completely to even help with part payments with the lessons, the lessons were to be paid for by him and taken on his own time. When my partner mentioned disciplinary action the boss asked who had given him this 'idea' my partner said l had, his boss then went on to say that it was basically none of my business and that he wasn't happy for my partner to be discussing his work relations with me. My partner has worked there 5 years in total, just these last 3 years as a site operative & driving. The Legal centre have stated that my partner must hold out until he is asked to leave (fired) they advised him against redundancy and suspension. When the bosses give my partner 'options' they have said that he is perfectly within his right to ask for time to think about the options so he has time to go back to the legal centre for their advice. The company have said there are no other jobs my partner can do for them, no further training, its full driving license by 31st August or no job, we have it in writing and signed by the boss himself, final option if no license is termination of employment with disciplinary action to be taken as my partner wouldn't have done as he was told (l realise this could be a scare tactic, but my partner is now hoping this will be the case as do the legal centre) We have kept everything, the law centre have their copies and we have ours here at home. There is no union, there are 2 managers and the main boss all 3 are on my partners back on a daily basis. The main boss is friendly yet politely demanding, the other two just outright rude and very persistent, they constantly ask my partner exactly what he hopes to gain by all of this (all of what we would like to know, its like they are trying to make him yell back and be rude....in which case my partner would be in trouble) For now my partner is acting as he is being treat, as though he is completely stupid. The boss seems to be walking on egg shells around my partner at the moment but this could be because word has got back to him about my partner gaining legal advice. My partner is certainly showing he is willing, his lessons are on a weekly basis, we cannot afford more as a £230 a week wage with a large mortgage and several children (and other bills) is proving difficult and they know this. As for the timescale, his boss simply denies that 2 months is too short a time, we find it strange that once the heavy work load has finished my partner then has another meeting to review or in this case be sacked as the driving instructor has even offered to ring the company and state passing all tests and taking all lessons would in reality need at least a 3 months time line (this is without the waiting for test dates and such). The boss simply wasn't interested. What worries my partner is him not being able to get another job in the future, he says he isn't exactly a spring chicken and in way of qualification he has none. He is however determined to pass his test regardless of time line as being a fully qualified driver would certainly be an advantage in the future (although l know he is pushing himself far to hard to achieve what even his instructor has told him wont happen!) We are gathering all the info we can in the meantime. Hi Greendollar, yes your right, our friend has this on site training where he works, its a 3 days course for a machine operatives license, costs around £150! No joy there either l am afraid, the boss states that if he did this for my partner then he would be expected to do it for everyone else and it would still cost him (the boss) money. My partner did have some in house training early on, he has never been re-assessed at all though. The company owns the machinery, My partner drives a 45 ton front loading shovel. l have noted what you said regarding the H&S regulations but for the moment my partner is trying not to ask anything which would make them all defensive. Come the final meeting though he already has a lot of questions he wants answering this will certainly be on his notes. Thank you all for your replies, we both really appreciate it

We don't now whether we should try find a no win no fee solicitor or just wait. Any input and/or advice would be fantastic! My partner is having some very stressful problems at work, l apologise if this does not seem to make much sense, were very confused too! My partner works as a site operative for a company on our local docks, for the past 3 years he has been driving heavy machinery on privately owned land whilst holding a provisional license. A few weeks ago he was handed a letter stating that a meeting was being held a few days later, the company had just realised he held only a provisional license and they had been told by their insurance company that a full driving license was now needed, my partner was suspended from driving until they discussed his future with the company at the meeting. My partner went into the meeting alone as none of his workmates would go with him, heavy redundancy's and 'laying off' scared them into thinking that their involvement could cost them their jobs too. At the meeting my partner was told that although he hadn't done anything wrong as he had taken his license in every time he was asked to have a copy sent to the insurance company they were not going to allow him to work there any longer unless he could get a full license, in effect if he didn't have a full license or show proof that we was taking driving lessons then they would have no choice than to terminate employment. Of course my partner was scared as we have a large family and bills to pay, he agreed to begin driving lesson, he was told he had to pay for them out of his own pocket. At the time of the meeting minutes were taken by his employer, his shift manager also in the room. The minutes he saw merely stated that the company took full blame as did the insurance company for just realising my partner only had a provisional license, also added was that driving lessons would be taken even though my partner had stated that this would be difficult as he couldn't really afford to pay for the lessons and his tests but would do his best so he could keep his job. My partner luckily was able to begin lessons the next week. A further meeting that was being held the next week, this being a meeting where my partner could state he was taking lessons and would pass his test a.s.a.p. My partner then told his boss the next day that driving lessons would start the next Friday evening, his boss was really pleased and asked my partner to ask the instructor for a rough idea of how long it would take before a full license would be in order! A few days later the 'minutes' were sent to us, my partner wasn't asked to sign anything, no signatures were on these minutes at all, but the minutes had been added too and there are a few things added that my partner didn't even say. Apparently my partner agreed to taking a 'couple' of driving lessons' and that he would then take his driving test! The fact that lessons would cause financial difficulty were there, so was the 'if a full license wasn't obtained in a reasonable amount of time then employment would be terminated' Then came the 'reasonable amount of time'......8 weeks! My partner was furious, he had taken lessons many years ago but lots had changed since then, he stopped the lessons due to illness some 8 years ago. My partner rang the driving instructor who said it was impossible for him to even say he would be ready for the theory test in 8 weeks, it was impossible to say how many lessons my partner would need as he hadn't even had a driving assessment test yet and to date it was taking a minimum of 6 weeks waiting for just a theory test date to be given once applied for. At the next meeting my partner told what he had been told by his instructor, his boss more or less said tough, he wouldn't give an extension but my partner had 2 options, 1. He walks! 2. He would be suspended for 6 months with 4 weeks pay, this way he would pass his test by then...and the 4 weeks pay would pay for his lessons!!! My partner refused both options and demanded a disciplinary hearing, his boss asked what did he hope to get out of this a tribunal, my partner said he did not know, the boss then shouted 'so you think you will get more money out of this that way, my partner said he couldn't positively answer that either as he didn't honestly know. His boss said you know you would end up getting sacked at a disciplinary hearing, my partner answered, yes, but at least my family would have some form of income via benefits and my home would be safe (Mortgage ppi). My partner was then asked to leave the office and return in a hour in which he was suppose to decide what he wanted to do (he rang me very upset is what he did) after being called back his boss said he had been in touch with the company solicitors to see what if any solution could be found, he said there would be no benefits if my partner walked (which he wouldn't do anyway) and the suspension wouldn't work either. There were then another 2 options, his boss would get in touch with the insurance to see if they could work things out, or 2. My partner would be seen financially 'alright'. My partner said he would leave the ball in his bosses court so to speak and see him in yet another meeting next week! We then received another letter....all of a sudden the insurance company who refused to insure my partner for driving an unregistered machine on private property were suddenly extending the insurance he wasn't able to be covered by by an extra 2 months! He could drive the machinery for the next 2 months with no worries but come 31st august they would hold a review, but if my partner had a full license by then, then they wouldn't review.....if no license by 31st August then employment would be terminated, and disciplinary action taken. To be honest, we just think they want my partner out!, they refused him redundancy when most of the other staff were given theirs, but in the last 2 weeks they have made his life a misery, they constantly nag him as to if he has put in for his test yet (he is due lesson number 4 on Sunday morning!) my partner says no and the constant stress he is put under is making it hard for him to concentrate, he constantly feels ill now and is at the doctors next week as lm worried about him, he is severely depressed, isn't sleeping and he spends hours at the computer going over and over mock theory tests. He then becomes very upset if he cannot remember answers or gets below the average or pass mark. My partners company are very short staffed and the next 7 weeks are going to be very busy, the work needed to be done would never be finished in time if there was no site operative driving machinery (ie my partner!) also when a ship is in dock my partner is always on the night shift (extra pay is very helpful obviously so he is always offered the night shift without fail as only him and another worker will work the full night shift) he had been denied the night shift this time round with no explanation. We have since been told that no full license is needed to drive the machinery he does on a private road, the friend who told us this even demanded we contact DVLA who would prove what he said is right. We have so we can print out the reply to keep with all the other paperwork we have as my partner feels this will go to tribunal, his boss is being very unfair, even my partners very scattered contract of employment states nothing about the licenses needed to drive on private roads. My partner is working out his time left until 31st August, but were unsure what to do then, we have been to the law centre for advice but they are not really sure what to do except start disciplinary action for unfair dismissal once my partner is sacked, and they stated he shouldn't agree to anything but the sack as in all reality he really has done nothing wrong.

Heres a surprise for you all, we have only been out of court a week and Capstone tried to scream 'Breach' We had a nasty letter stating that the order made in court said that each payment MUST be made on or before the 1st of each month. (We got this letter on 30th June so were slightly worried and confused too!) after a few quick phone calls (one to Capstone asking them when the ordered payment date had changed from 10th to the 1st (we pay via 2 installments one the last week of the month and one the first week of the new month) and finally being put through to the correct department we were told that it was there mistake, they FIGURED we would have to pay on or before the first, they had FORGOTTEN we had a fixed arrangement in place to pay by the 10th of the month and the courts had ordered that our account be reviewed on the 21st each month to make sure payment had been made. The guy on the phone also stated that our arrears figure seemed very wrong as costs had not been added yet but on the letter we were sent we owed over £1500 again where as on screen we owed £1048! lm told no late payment fees were added as we had a solid arrangement (which they just said they had forgotten about!) The fellow on the phone was kind enough to insist that he send a letter out again outlining the correct information! As he would hate for us to be caused anymore unneeded stress , we now have the letter but the arrears are showing the same as the first one. Should l write and question the difference in arrears as l think they have added the costs, and if the extra is indeed costs, ask for a breakdown? lm dying to send the SAR in but wonder if l should do that after l get all this costs malarkey out of the way first.

After a quiet (ish!) weekend with the children l shall be back on capstones back! lm not letting them get away with the charges. Comebackjimy, l shall certainly update here whilst l go through the motions Crapstone, will l have everything said in court sent in writing? lm wondering how lm going to find out what these costs are and exactly how much has been charged Thanks in advance

Hello again, No, don't let them get away with the charges, lm going to start that ball rolling very soon. Yes, your right providing an offer (reasonable) is made and you have proof that you can maintain that offer then you would probably get a suspended repossession as l did yesterday. lf you have time to read through my post (Capstone Mortgages) there is plenty of help l was given that will help you too.

Hi, Not sure if this helps but on my court papers (Mortgage pre-action protocol checklist) l found this: 'Is there an unresolved complaint by the defendant to the Financial Ombudsman Service that could justify postponing the possession claim' l remember being told something around the lines of, providing you had at least a reference number from the FOS then it would show that a complaint was in the works. l could be wrong though, lm sure someone will correct me if l am

l reckon l would have slept soundly last night if it wasn't for the heat lol. lt feels strange now, not really having anything to worry about, you were spot on about the drink machines in the waiting area Crapstone, we didn't buy drinks but a lady who did pulled a right face when she looked in her cup! l was really shocked at the fact that l found out on our way out of chambers that the posh dressed people stood in a corner of the waiting room were actually the free advisers that attended the reppo hearings everyday when l rang earlier in the week l was told there weren't any! So l would ask anyone who is going through a hearing to check with the receptionist when they get to court. Your absolutely right, l do feel better and yes, l now wonder why l was so worried in the first place. Capstone said that paying as we are was fine but l still expect them to whine and try adding charges, and l shall definitely ask for a breakdown in costs too. The judge did state that they would add interest on the court costs, l reckon capstone will waste no time in adding them. Ell-en deserves a medal for everything she has done to help people, unfortunately the best we can offer is regular donations come pay days

lt was the mortgage deed that held the correct house number, l had mistaken this for the house deed, the actual house deed showed the number of the property that does not exist Even the capstone agent was confused by this.

Thank you all for your comments and advice, we would never have gotten through this if it wasn't for all the help we have had, Ell-en you have been absolutely brilliant, l honestly can not thank you enough . Well we got our paperwork in well before the hearing, when we arrived for the hearing we were approached by the other sides 'agent' he was very polite and even admitted he knew nothing of the case until an hour before we arrived. He didnt request a 'chat' as such as he also was quite happy for all arrangements/paperwork to be reviewed by the Judge. He did however explain the layout of the room we would be in and forewarned us that the judge we were seeing dislikes being interrupted, asked us to be sure any mobile phones were on silent and just to be polite and listen as this judge wastes no time, likes things done quickly and talks a LOT! and he did!, we must have been in the room all of 10 minutes, the judge looked over the paperwork we submitted, the agent from capstone offered the judge the copy of the 'protocol' form which the judge just put to one side, he asked us if we were comfortable with paying what we had offered and pointed out a mistake we had made regarding our property numbers he confirmed that we had been paying what we had offered (totally cutting off the capstone agent who had started speaking) and that the payment should be paid by 1st but never mind that, and then stated that the possession be suspended, l didn't quite catch what he said next but l did ask what he meant and he stated that providing the full monthly payment plus £70 off the arrears was with Capstone (SPML) by 28th each month then no further action would be taken. l questioned that some payments seem to vanish once leaving my account. Would this see me back in court? The judge said that providing l had receipts of any payments in dispute any further action taken would be frowned upon (and he gave capstone agent a stern look!) l was surprised when he thanked us for attending, he was surprised when l went to shake his hand! The judge was in no way grumpy at all, he was actually quite jolly and didn't mind my asking for clarification on points l didn't understand. We stood to leave and the capstone agent was sat there open mouthed lol, he didn't get to say anymore than 5 words total! So although we ended up with the suspended order, l got a strong feeling that this judge knew capstones ways pretty well. He commented on how well set out our statements were and asked about my disabled son! Only downside was the costs, these will be added to our account but should not be paid off until the arrears are cleared first.

CAG will be my first port of call once l get back Thank you so much, we would never have got this far without all the help and support we have been given. x

Yes, we can do that no problem

lm sure l wont need most of their defense then, 108 pages of it are terms and conditions so l think l will take the other bits with me to refer too. (lf only to look totally organised). The hearing is at 2.30, we should get there around 2pm if not just before. Should l get there even earlier? l didn't realise the hearings were that short, that takes a weight off! God only knows why l thought l would be there for hours on end lol.

Thanks Ell-en your a star! l have everything in order now, but l will triple check before we set off tomorrow. l do not have the proof of posting for the letter we just sent as my daughter took that to the post office on her way out, she will try get home before we go to court to pass this over, if not l have a copy of the letter we sent. Do we also take the copy of the solicitors defense with us?

Hi, l think to be honest l would go to court anyway, l would think the court would see it as a negative if you didn't turn up to defend yourself and to state that your offers of payment are manageable by you. l am sure l will be corrected by the experts here if lm wrong