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?