I could but how do I send the link, sorry not very good with this.

My husband is being made redundant on 4th May, can you tell me if he should get his redundancy payment around that date, my reason for asking this is that another person also made redundant who he works with has been told that they are going to pay the redundancy payment in weekly payments, surely this cant be right!!!!!!!!!!!!

Thank you all for taking the time to reply to me. My husband let them in the first time they called last year, he was bullied into making a £250 monthly payment, and he did sign the list of which the only thing the bailiff put down was the car, he did tell them that it was on finance and offered to show him the finance agreement, however, all the bailiff said was that if we keep the payments up it wouldnt come to taking the car it was really only for his records. To cut a long story short over the xmas period we had a house break in, paperwork got mislaid, circumstances beyond our control lead to me being unable to do my job which is a fostercarer, this meant we was without any children for over 6 weeks, and yes you guessed it no money coming in, my husband was meant to call the bailiffs and try and come to another arrangement untill we was back on our feet so to speak, I did try to talk to the two big burley bailiffs that came round and explain that the whole amount would be paid but we needed two weeks because we now had a child in placement and that meant I was at least now being paid, they was having none of it, I also explained that I needed the car to do my job eg get the child back and forwards to school and for all his hospital appointments and my training courses that I had to attened as part of my job. To be very truthful I felt intimidated by them, they asked me if I had any realations that I could contact to get the money by tomorrow and if I rang them now and they agreeded to let us borrow the money and could get it to us by tomorrow (friday) then they would unclamp my car so I could at least do my job in the morning, I did call my uncle the only I could think of that would have anything near that kind of money, and lucky for me he was only too happy to help out, having that sorted and my uncle bringing the money first thing in morning the bailiff then removed the clamp telling me they was doing me a big favour by doing this. They was back here at 11.30 on friday to take the payment in full, this included a fee of £110. To answer the question what did they mean by override the finance agreement, I was told by them that they could override the finance and sell the car then we would have to still pay the finance company what ever was still owing as if we still owned the car. I hope this makes the situation I was in a little clearer.

Baliffs last night clamped our car because we was two months behind with our agreement we made with them, I know your going to say our fault cause it is we should of contacted them and tried to come to some sort of new payment agreement but quite honestly things have gone from bad to worse since xmas and didnt give it a thought till they came and clamped the car last night, they refused to remove the clamp till we paid £882.22, we told them that the car was on finance but they said not a problem they can override that it wont stop us taking the car, we also explained that without the car I cant do my job therefore no money but that didnt work either, we did manage to get the money from a very dear uncle which was a gods send. I thought that they couldnt take the car if it was on finance or needed to do your job, are we mislead in thinking this?

Thank you Buffysum good luck with your claim. Karn yes its from nat west, lol now just waiting for the real thing, and as I typed that guess what came through my door, wooooooo hooooooooooo my cheque, going now to put it in my account. Birdy

I got the copy of the cheque but too late to do letter today, will do first thing in morning, hopefully Inga has posted it out today 1st class, did make me laugh they dont even use Abbey as their bank lmao. Birdy

Have emailed her again asking for a scanned copy of cheque Birdy

Ok have emailed her earlier asking her to let me know as soon as she sends cheque out, but will email her again asking her to scan and email a copy of it to me so I can ask the court to adjourn for a month to allow settlement, thank you Karnevil Birdy

Help havent received the cheque that Abbey promised to send out to me on 16th first class, Inga has emailed me to say that she is meant to receive cheque herself today, what do I do about the court case that is due to take place on Monday, I have told Inga that I will not stop the case till I have received the cheque and its cleared, helpppppppp Birdy :o

Thank you everyone, good luck Ostrich fingers crossed for you. Birdy

im in shock, quick pinch me hehe Birdy

Thank you im over the moon with it, was so scared of going to court. Birdy

OMG OMG OMG guess what I HAVE WON WOOOOO HOOOOOOOOO I HAVE WON, got a call today from Abbey they are going to pay all my charges for last 6 years plus interest plus court costs plus other costs woooooooo hoooooooooooooo I WONNNNNNNNNNNNNNNNN HEHE. Please can someone put *WON* in my title woooo hooooooo Birdy

Ty for that, scared now its so near:eek: Birdy

the court asked me to send them in 14 days before the court date, which I did last monday 8th jan. court date is 22nd jan

Thank you Karnevil, letter done ready to take into the court tomorrow I have omitted the bit about sending a letter to Abbeys solicitors as I dont wish to prompt them of the fact they havent sent me a bundle, is this ok?? Birdy

We will see, im very nervous :grin: LoveBird

ok here is where I am up to, my case comes up in court on 22nd Jan, I sent my bundle off to Abbey and handed it into the court, I should of had the bundle from Abbey by Monday 8th Jan, so far nothing, I phoned the court today and they havent received Abbey's bundle either, the court said it will be up to the judge now on the day to make his decision, is this right? how can I prepare when I havent received Abbeys bundle? Birdy

Thank you karnevil, will redo it today. Birdy

phewww now got my court date 22nd Jan, and guess what dropped through my letter box, a bundle of microfisch, the 5 years I requested, do I need to rework it all now and let the court know the new amount for the 5 years I have estemated? the judge has also put it on small claims track. panic panic panic panic panic Birdy

Nerve racking phewwwwwwww lol

Abbey have sent me their Defence, and an offer of half my claim £4692.27, which I am not going to accept(gulp) just hope Im doing the right thing here:o do you know roughly how long it takes from this point. Birdy

Have already sent that one a few weeks ago which they have ignored. grrrrrrrrr

Hmmmmm how many complaint letters and leaflets have you got bet I have more than you:rolleyes: Birdy

I received a letter today from abbey telling me if i want the microfisch to send £10 per account. Birdy