Hi have not filled it in as yet , just looking over different posts , but would appreciate your help as many speak highly of you , thanks in advance

We are going to court tomorrow to hand in our N244 and hopefully get the eviction suspended on the grounds we have agreeded a private sale with property investor ad will give us a letter headed letter to provide to the courts stating the agreement ,.. plus I want to appeal on the grounds that the arrears are not an true account of what we owe ,.. will this be good enough to get the eviction put on hold ??????? any help will be greatly appreciated thanks in advance

yeah very like our case same lenders ,.. same eviction date aswell ,.. same letters ,.. surely you can dispute the toal arreas and ask for adjorment on these grounds , as its easy to sayyou owe X amount ,.. your appeal you would put dispute total arreas and sure after reading up on this the judge would give you time and ask lenders to provide proof of figures owed , as believe arreas can only be the monthly payments missed ,... I will be interested to see what others think ,.. best of luck

no I have recieved nothing from g e money ,.. yes the extra debt is arrea and interest charged definately ,.. I am struggling with the payment at the moment , but have a person to rent a rent so will lift abit of the burden and then they MP will be covered,.. but in arreas at moment with this company,.. I do not agree with arreas as most is interest applied ,.. thanks for your reply best wishes

Hi all was looking for some advice as very lost in what to do next ,.. I have my original mortgage with abbey ,plus a second secured loan off g e money for £31,000 in january 2003 , so over 6 years now paying repayment , recently missed a few payments , after looking over the figures I owe this company is close to £40k,.. the loan was only for £30k and been paying 6 years,.. my point is this , if this loan/mortgage was interest only then each month I would of paid less and still only owed £30k,.. so why do this company think its ok to give me a final figure of £40 if after all this time I have been paying to reduce this debt,.. surely this is not right and can take action to reduce this debt ,..at least remove the interest charges and late penatlly charges,.. I know the longer it is left with out addressing the situation things will get worse, g e money are not pestering me at all , I think their are not bothered at the moment as I have alot of equity in the house and their the second charge,.. I know to send data protection request , but what do you all think is the best route,.. plod along till I can wipe out the arreas and challenge things,.. or start the ball rolling with unfair agreement/relationship , get the break from monthly payments (to get my act together and find arreas) plus stop other charges adding on to balance ,.. do not want to upset g e money as been quite laid back in chasing me up ,.. I know their have a dark motive , any advice will be greatly appreciated was looking into unenforceable agreements (but unlucky as over £25k) as long as I can remove the extra charges I will be happy to pay original debt thanks in advance best wishes

Finally got my N1 form ,..Called to the courts to collect in person,..Will get it all done over the weekend and submitted monday morning,..(Also if anyone else is suffering with download of the N1, Drop me a pm and I will scan the form and forwad on to yourselves,..)Nearly there,..Mx.

Hi Ollie,..thanks for your concern in merging 3 threads,..But could you please change it back to "Please help a little confused" As there was another 5 threads with the start the ball rolling,..Just so the posters and people following the thread do not get confused with lots of other threads with the same names,..probably one of the reasons I started a new thread,..I see were you are coming from,..but allways a method to ones madness,..Thanks,... Took me some time to find my own thread...

Think I will be calling to local courts to collect a N1,..thanks for the help Kate best wishes Mx.

Yes Bish I get the web page,...but when I click on the downloaded PDF N1 it does as I said with the box,.. :confused: confuzzled SNAP.

No Bish just the same as used in the past,...Never needed to update,..how would one preform this?thanks for the advice,..Still here plugging away,..M.

Hi Fuzzgun,..No it will not let me download the N1,...A box appears on screen with the words"INTERNET EXPLORER HAS ENCOUNTERED A PROBLEM AND NEEDS TO CLOSE.WE ARE VERY SORRY FOR THE INCONVENIENCE...... Then the site closes down,.. :confused: Was hoping someone had this saved on their computer and forwarded to myself,Well never mind will have to get myself to the CC in person ,just finding the time,...Thanks for the link anyway M.

Has anyone got a copy of the N1 which their have downloaded which their could forward to me,..Thanks.

Any ideas on the N1,..Anyone else had problems with the N1 form & downloading,Thanks Mx.

Hi Karn,..Yes I have acrobat,..Just when I click on the form to download ,A box appears in the middle of the screen with the message"INTERNET EXPLORER HAS ENCOUNTERED A PROBLEM AND NEEDS TO CLOSE.WE ARE VERY SORRY FOR THE INCONVENIENCE...... HAVE TRIED A FEW TIMES BUT SAME THING HAPPENS:confused:

Only me again,...Can someone help,..can not seem to download the N1 form, ?

Well only half the amount of the estimation,But at least its a solid claim and I know the true figure now then messing around after submitting claim,..£2096 without the interest added,..Will put this in the spreadsheet and get the interest put in place,..M.

Morning Gang,....Well BIG surprise,Abbey have sent me my full 6 years worth of charges,...Think this is another new ploy off the abbey,..As my claim was due to be in friday gone as that was the time table,..Maybe their send these to mess us around ,As we would have to amend the claim plus the costs,..Well their say they is a reason for everything,..Glad I held off with the claim for a extra few days,..Seems to be better than a estimated claim,..Will be able to do this online now as I can actually put the correct charges without the need to have a large estimated schedule,..Will have a good read over now as I am having a day off work to sort this out with the spreadsheet and things,..Good start anyway,..Mx.

Hi there again Bish,...used the spead and have it worked out now,..just going over a few things thanks again best wishes M.

Yeah Bish think its best to use the spread with this built in ,Seem's much easier which spreadsheet offers this option? and what are your thoughts on a online claim or the N1 to the courts? thanks Mx.

Hi Bish thanks for the replies,...Do not want to sound thick but are confused now ,Is they a simple way of working this out,(Working out each charge seperately for the whole 6 years?),...Kia no wonder you are fed up,.. Recieved a letter from the bank today saying" Charges are lawful blahh blahh and the 5 refunded charges are a goodwill gesture,..Even more keen to get this spread sheet sorted out,Doing this right now,.Any input please feel free Mx.

Karne I used the simple spread sheet and removed the interest section,..(same as the one you used),..Mx

Hi Karne nice to know you are still around helping all who need it,..Going to be doing my claim online I think,..Not quite sure but will make a decission tonight as wanting to get this done with,..Going to be doing that dreaded list of schedule with the interest added,..Had a look over yours in the link and seems pretty straight forward,..We shall see!..Thanks for the offer of help will be most probably be accepting that,..Talk soon Mx.

Hi Kia,....You sound down in the dumps,..Do not give up now you have got past the half way stage all down hill now (or will be once we get our N1's sorted out) I am at the same stage as yourself now so lets battle on together,..I am online now for the next few hours looking over the N1 or what I have to do (will be watching the X factor repeats in between lol)..If your online drop me a line talk soon Mx.

Hi all well spent some time reading over Karnevil thread regarding N1 form,..learnt quite a bit but still a little confused,..Looks like I will be doing another spread sheet ,..Any more help doing this will be greatly appreciated,..Kia how it going hope you got your's sorted out,..thought I had it sussed,Well will keep reading but need to get this sorted out sooner rather than later,..And Bish if you have a good method to working the interest out please do post it on this thread,..Thanks everyone & good luck Mx.

Well gang back again,...going to be filing my claim within the next few days,...time is up for abbey,..funny enough recieved a monthly statement today and it had 5 refunded charges equalling £175 5x£35,..Never even ask about these charges,..can not understand why their would refund 5 charges,..Well its all good as their have now given me the funds to start my claim,..(excellent) Will be doing the claim on line any tips or advice would be more than welcome best wishes all M.