Good luck Tigerf999 I look forward to hearing how you get on. CitizenB I will read up on the regulations. I am awaiting a letter from my Specialist at the hospital with regards my illness and will then send GE Money a copy as they request. Thanks everybody for your help. Any further help/advice will be much appreciated.

As the loan is due to end in 7 months they want the amount paid by that time £1709ish arrear would take at least 24 months to pay due to other debt.

Thank you. It is when you state Tags (ge money repossession) for your initial posting. I should've done it right at the start. Wanted to add: court, possession, default, secured loan Many thanks

I would get in touch with the council and explain, they should be able to provide details of someone that can help. They will ask your specialists/doctors for reports. Appeal and if that fails re-appeal, they are a joke. Also contact the DWP/ESA and ask for a copy of the report. You will be surprised what rubbish they write. This happened to me. I won in the end and they backdate any payments that were due. Keep strong.

How can i update the message tag?

Thank you for all the advice. Received a phone call today saying that because there is only 7 months left on the secured loan they demand £411 per month otherwise they will go for possession. Then when I said there was no chance of that they said that they only went for possession because I had not sent in a medical report and if I send in a medical report then they would halt proceedings.

Hope this one is better. GEMoneyLetter.pdf

Thank you for your advice. Not received any papers yet, just this letter:

Sorry for the mistake and thank you

I requested SAR from GE Money on 23 March. But today I received notice of possession proceedings and don't know what I can do. (I have 1656.75 arrears with one of them GE Money). I was the main earner but became unemployed 4-5 years ago due to illness. I have been registered disabled for nearly 3 years know. They have also been charging £40 for being in arrears on a monthly basis. The most we could scrape together would be the monthly payment but they are demanding that I pay significant arrears payments on top of that. The lady on the phone also said if I do manage to agree a payment plan they want to know where the extra money would be coming from. We have a mountain of debt. I don't know what to do. I would be grateful for any advice. If am I going to lose our home would I be better to go for Bankruptcy?