Hi Ell-enn, Thanks for the letter really appreciated,attached is the budget sheet.I have advised him to take into account yours and everyones comments and hopefully this is more realistic and manageable and are ready to send this if you think its ok.

Hi Ell-enn, He has no HP,Car Loans,Credit Cards etc. What he does have and has not a clue who,what,where.... is a debt owing to Hillsden for £700. He doesn't know what its about and i've advised him to ignore that for now as we don't even know if it's valid and whats it's for. Hi Caro, You are right it what you say as his trade can be hit and miss being self employed, but he has enough work for at least the next 6 months and he his someone who believes in paying his way,hates owing anybody anything especially money to anyone if anything he would give you his last penny.This has totally devestated him to say the least. Caro, The arrears must have been cleared as there is a green marker on the credit file then it goes orange again then red.

Hi Ell-enn, He knew nothing about that eviction / possession order until this week. His wife has been very discreet and on that occassion she had to pay £6,000 and he knew nothing about it. As far as he was concerned all bills,mortgage etc were paid and upto date and it's only by chance because he is on holiday the post arrived and his wife tried to hide a letter but he saw her and when he found out what it was he couldn't believe it. We done the obvious as always advised on here, check credit reports etc and when i showed him the history on experian he nearly had a heart attack,totally oblivious to the problems. He too can't understand why his wife never said anything to him but that's for him to sort out.

Hi Caro, I'm not panicking (well a little bit) but my friend is,he's on the phone every 30mins asking if Ell-enn has wrote his letter yet. He's coming round first thing in the morning to take it the post office!! He can more than pay something of the arrears every month and he's done his expenditure sheet, he is unsure and i'm not clued up, on what the process is as far as going to court etc he would rather avoid this although sometimes it's probably better togo to court and get an order from the court so they can't get heavy with him so long as he sticks to the courts order of course.

Hi All, Has anybody else have any thoughts on the best forward for my friend as he is panicing now. Understandibly people have other things / committments but i just need to re-assure him. Would it be best to phone them tomorrow and for him to make the offer or golden rule..keep everything in writing. Any thoughts appreciated.

Hi Ell-enn, Have you had any more thoughts on the letter to send GE and do you think it is too late or not for him to get this eviction / possession order cancelled / delayed.

Hi Ell-enn, OK, it looks as if there was a repossession hearing in 2012 - did your friend know anything about this? No he did not know about this. We have phoned the courts today and they were closed on the 24th so would not have received the application until 29th and she stated it is taking between 10-13 days to process anything. Obviously as we/he digs deeper more and more things come to light.:- 1) If they had an eviction order in 2012 but the arrears were paid in time to avoid them being evicted why would that order still be valid today even though it's 3 years on and satisfied? 2) Also would the court order not show on their credit files under public information sector of their credit report if it's still valid? They may have sent him paperwork but he has not seen any of it as his wife got to it before he did and has destroyed everything,it's only by chance he found out about the latest problem. After looking at the arrears in more detail and understanding what they said to him on the phone it appears the arrears are £9,000 and there is possibly another £4,500 fees and costs to be added they said( GE Money) As he his a self-employed tradesman he has the opportunity to earn money and i can honestly say that if he knew about his wife not paying the mortgage he would of sorted it sooner. He has the scope to pay these arrears off over the next 3 months if not sooner,thats with the help of friends,family and his earnings. He is proposing to pay £3,000 + £737 on or before the 28th of each month Jan,Feb,Mar. He has also taken full control of all financial matters and is opening a seperate bank account where all bills will be paid from,having all post redirected to a po box. He just needs GE Money to give him time to clear these arrears and we will be looking at the history of the account once we've got the SAR back to understand whathas gone on over the years and hopeully he will be able to reclaim some charges and fees from them..

HI Ell-enn, Further developments,letter recieved today,please see attached. The dates are from 3 years ago and on that occassion the arrears were brought upto date. We are confused by the letter as its stating the same amount of money now and also if it was settled in the time period surely they can not go back to that and try and enforce and order that has previously been settled. Ell-enn, He has sent the SAR today Hi Ell-enn, More paperwork from EVERSHEDS. Really desperate as what todo next as it appears time is against him.

Hi Ell-enn, The income figure on the sheet is take home pay (net). His work is done on price(the more he does the more he gets paid) and whilst he does not work overtime as such he will be working 7 days a week until the arrears are cleared. He has sent a SAR off today so we can find out how much he has paid over the years in fees etc. Is it possible for you to draft a letter so he can send to them.I think the wording of the letter is important,thats why i ask if you could draft him something. The difference between the two sheets is considerably,as i said previously he just had no idea what was being paid out (or not). He took it for granted that his wife was paying evreything and asked no questions. He is very much "old school",man goes to work to provide for family,woman looks after house etc etc.....until NOW.

Hi Ell-enn, The budget sheet i've posted is what his income and expenditure will be from Jan 2015 which is considerable different from his current budget sheet,which i have attached for you. There are big difference's between the two sheets. He has no credit cards or car finance but has a car.Perhaps he should of put a figure in there for service and mot. He is a builder/plasterer so any repairs on the house he does himself. Ell-enn, What do you think the likely hood of GE taking to court is even though he has paid today a months mortgage and is willing to pay even more starting from Jan 2015. I have also printed him the SAR form for him to send tomorrow.

Hi Ell-enn, I've attached the budget sheet that will reflect his expenditure and income from Jan 2015. This is very different from his old income and expenditure and this is because he didn't realise actually how much they were spending against their income until he completed the budget sheet. What it has done is highlite to him were he needs to reduce expenditure on smoking etc and the fact that he has the scope to increase his income by at least 50% to clear his arrears. Whilst he has the offer to borrow money to clear the arrears he is reluctant todo this as he feels it's his responsibility to sort this problem out himself but that also depends on GE Money being sympathetic to his problem which he knew nothing about until this week.

Yes,there is a budget sheet for today and there is another one reflecting his new salary from Jan 5th. Ell-enn, Should i post the budget sheets onto the forum and should i post both of them or just what will reflect his new earnings from Jan 2015

Hi All, Just to update,my friend has phoned GE Money today and has made a payment of the required monthly mortgage amount and they have accepted this but the person also stated that this does not change any action that has commenced!

Thanks for all the advice so far. I will back on tomorrow once i have sat down with him and got some answers to the questions already asked and will get some more history on whats happened so far.

Hi Ell-enn, He doesn't know but looking at his credit report there is nothing on there about any recent judgements. His report will be updated on the 30/12 and we will check tomorrow to see if there is anything on there. We have also checked Trustonline and there is nothing on there either.

Hi, He nothing about the arrears until today when the letter arrived and his wife even tried to hide that. He has phoned them today but they are insisting on full payment and they have also confirmed to him that almost £4,000 of the £9,000 are fees etc. Ell-enn, Would they have to take him to court before they can evict him. My friend has just left now. We registered him at experian to check his report and there were a couple of things on there he didn't know about so he's gone to question his Wife about them. HB13,Its a mortgage.He had togo to these to re-mortgage to clear outstanding debts he didn't know about and he's paying alot more than a normal lender would charge i believe.

Hi All, Need help on best way forward for a friend,any advice appreciated. A bit of history, He has had problems with OH not paying bills etc for years. This will not be the first time he has had problems with the mortgage. I can honestly say he knew nothing about any of these arrears until today. I and others have advised him in the past to take control of the financial matters of the house but he has ignored the advice and let his wife continue dealing (or not) with the money for the house. Really need to help him.

Hi All, Posted defense on time...just,thanks to Andy. Received confirmation from courts by post. I have had no further correspondence about court date or whether its been stayed or what. Any advice on what i should do as i would hate to think they would get a judgement through the back door!!!!

Andy, Understood:behindsofa:

Hi Andy, Had major problems logging in on-line,kept saying incorrect password etc so have e-mailed defence stating claim number etc. Will phone in the morning to confirm this with them. Will this be ok or will it go against me.?

Andy, Much appreciated, Will keep the forum posted on developments.

Hi Andy, See attached.

5 years

Hi Andy, Appreciate your help. Loan started April 2005

and