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ananya

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Everything posted by ananya

  1. Erm.........erm............*ahem*................. I really like that song and I remember dancing round my handbag to it back in my dim and distant youth
  2. Yes, I had a similar letter form them once too and I've been on disability since 1996
  3. Hi, that sounds positive to me and remember the DJ's tend not to like the bullying tactics some lenders adopt. Also, if it is a joint mortgage, it looks good if you both go if you can. We also took an income and expenditure form from here - National Debtline England & Wales | Personal Budget Sheet and proof of hubby's income to show we could afford the proposals. If you do add these documents, remember to take 3 copies with you to court, one for you, one for the other side and one for the DJ and ask the usher to pass them on to the DJ for him to read along with the other notes, before the hearing
  4. Hi there and welcome from me too Please try not to worry too much, although the prospect of repossession is terrifying, the reality is much different. Your arrears are relatively small in relation to your payments, 3 months and it's court though, which is the same for so many mortgage lenders. Have you received any documents from the court yet regarding the claim for possession of the property? When you do, you must acknowledge the claim and defend the repossession, making a realistic offer you can afford to pay on top of your monthly installment. Don't get pushed into paying more than you can afford as you don't want to put yourself in financial difficulties. As long as you can show that you can clear the arrears in a reasonable time, then the court should suspend the repossession, allowing you to clear the money and keep your home. I've been through a suspension of eviction hearing this year, 1 step on from you, with £6600 of arrears and thanks to the excellent help from CAG and Ell-en, we had our eviction suspended indefinitely, as long as we keep paying the installment plus the agreed amount towards the arrears, in our case £100. The court hearing itself will be informal, just you, their representatives and a district judge. If you can, and if it is available, try to see a CAB welfare officer, they are based at many county courts, and they may be able to speak for you in court and offer some help and advice. They will also try to negotiate with the other side before going into court and come to an agreement. Anyway, all the very best of luck, keep coming back and let us know what happens.
  5. Hi leezadavies and welcome to CAG. I wouldn't do anything rash and I'm sure that LBL would find your vehicle, even if you could re-register it and change the plates - DVLA would still know the original licence number anyway and they freely give out information to the relevant organisations. I would suggest you contact the National Debtline - National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 or your local CAB to find out your rights and options. All the best of luck.
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