thanks for your help

thankyou any idea how i move it? ..sorry newbie issues xx

anyone else?? ..please??

dx, thx for feedback. I think the clock stops for the action when the summons is issued (if anyone knows different please let me know!) I am thinking about arguing that the debt existed before repossesion date (how can they justify taking a house if no debt exists?). I have a 'Borrowers Account Report' from the Halifax but find this very difficult to interpret - I had left the property & dont know what my ex-wife paid & when. On the BAR there is a letter MA077 - Think this must be letter indicating Repossesion to start as it is followed by a comment saying 'Mrs unhappy knows we need to repossess. Auth to inst To KMS'. This is dated 29th Feb 96, would it be reasonable to argue that the debt existed at this point?

Hi, Not actually been to Court - summons was issued on the 9th Oct. 2008 and has been adjourned multiple times.

hello, have been reading through this forum with great interest, and am hoping some of you will be able to help.. please.. my partner had his house repossessed in his past life in 1997, the lender finally caught up with him in 2008 and started court proceedings for 38k (!!!!!) for shortfall, interest and charges.. we got our own solicitor and they got the interest discounted and now they are after 18k .. shortfall of 7k and 11k in charges.. of course we do not have that kind of money,so they have offered to accept a f&f payment of 10k (!!again we do not have it!!) we have had to drop our solicitor as we just couldn't afford him, bottom line is my partner is due in court this week and we have just had a letter off lenders solicitors asking if we would agree to a adjornment (so far they have adjorned this case about 8times, and the last time several months ago the courts warned that it would be the final adjornment they would allow!) As my partner is representing himself in court and is (understandably!!) nervous ...we are not sure which way to go with it ..do we agree to the adjornment and hope the court will be fed up of us and (hopefully) throw the case out, or do we turn up in court and hope the bank solicitors don't show up, or do we try and negotiate a sum of around 1k of f&f settlement??? ..also we tried looking on some of the house price websites to find out if they undersold the property, and we can find no record of the house being sold until 2001!! ..since these websites go back to 1995 i am a bit at a loss as to why there seems to be no record!! i hope this makes sense ... sorry it is sooo long..and thankyou for any replies /help