Hi staffylou I'm sure with the help and advice on here that you'll have a successful outcome. I attended two repossession hearings with a friend, one for the mortgage and the other for a secured loan. I've never seen anyone as scared, but the relief once it was over for her was unbelievable. The Judge was very nice and it was over in 5 minutes. Once the judgement was made she said it felt like the stress of the last 12 months had just disappeared. Obviously she has to stick to her repayments, but she is no longer hassled by the mortgage company on a daily basis. If you can afford your monthly repayment plus a little towards the arrears then you've a really strong case. Do you have dependent children living in the property? Stay positive:) jaxads x

Hi staffylou Welcome to CAG. I can understand what a worrying time this must be for you, but please stay positive. You will be able to defend their claim for possession provided you can maintain your monthly payments plus a small amount towards arrears. Ell-enn should hopefully be around the forum soon and she is an absolute superstar with her knowledge on repossessions!! Best wishes.

Hi staffylou Welcome to CAG. I can understand what a worrying time this must be for you, but please stay positive. You will be able to defend their claim for possession provided you can maintain your monthly payments plus a small amount towards arrears. Ell-enn should hopefully be around the forum soon and she is an absolute superstar with her knowledge on repossessions!! Best wishes.

Hi - Welcome to CAG Sorry to hear that you're having problems, but you've certainly found the right place to help sort them out!!! Have you missed any payments on your secured loan?

Fantastic news Tomterm - and a 70% reduction into the bargain. WELL DONE. Cannot wait until I can say that I'm totally debt free

Raymondo - Welcome to CAG. From reading your post you say these things may happen if it goes to court. Who are the recovery agents? Is the fee for £80 and is this the first notification you have had? They seem to send out a few - you will probably get a letter soon offering you the chance to repay in instalments that are manageable to you and therefore stopping it going to court and incurring further charges. (Or you could contact them and offer repayment over several months.) I hope this helps.

Hi Checkm8 - no problem, I've just written inviting them to take me to court (I'd fully defend and add costs of course;)) I've laid down the gauntlet ...... watch this space

Can DCA's be reported to them or just the financial institutions themselves. I'm shortly to be reporting a DCA to Trading Standards and OFT, but just wondered if I could also put in the FOS?? I'd love to think it could eventually cost the DCA £500 :D

Is is the FOS who charge the creditor £400 to investigate a complaint ??

I'd not realised that you could "request" a judge as SMPL seem to have done! How do they get away with that ??

Dear Nattie -- I remember you helped me at the beginning too - for which I was (and still am) most grateful! I think it's dreadful the way you've been treat - especially given their new tv campaign -- but then we all know that they all work more like the "introductory biscuit" advert that the Nationwide put out!! I wish you all the very best for the future whatever you decide to do x The banks will one day soon get their just desserts.

Hi Paul Ell-enn is usually around the repossession forums and I'm sure she'll be along soon to offer you some fantastic advice. I was in court with a friend recently who had to fight an eviction date - she included the "Norgan v C&G" case in her statement and she didn't have anyone representing her (just me as her friend!!) The Judge was absolutely fine and didn't even refer to it. I understand Judges are under a directive wherever possible to keep people in their own homes!! As Jansus asks, are you able to afford your mortage payment and a little towards the arrears each month? How long is left to repay your mortgage? Please try to stay positive - I know this must be a really dreadful time for you x

If only

Count me in x

Speaking of made up names .... RED have Glenis Glover LOWELLS have Samantha Swallow .... they must be made up surely!!! Fuzzybobble, great to see you're still keeping busy :D keep up the good work!!

Well, its more than obvious yet again that one desk doesn't know what the other is doing One letter received from GLENIS GLOVER at RED saying one thing Another from SAMANTHA SWALLOW at LOWELLS saying different Glenis Glover and Samantha Swallow --- they've got to be fictitious!!!! Needless to say, they're getting a letter right back telling them what's what:p and I could sign it Cathy Credit or Mary Megabucks !!!

Hi Mad Mick Don't panic. As Pathway rightly says, it is a scare tactic and they more often than not do not send anyone out, but if they do, just tell them that you are not prepared to discuss the account with them and that any correspondence must be in writing. It's a bit much sending you a calling like that when you are only one payment behind. Do you have any charges on the account that you could claim back?? If not then you could send them a CCA agreement request to see that they have the necessary paperwork in order to collect on the debt. Best wishes.

Good luck Mike - what a dreadful thing to have happened. I cannot believe it!!! It's their fault that they missed scanning it anyway, and as you say, as soon as you got home you rang them to sort it out and then went in to pay for it. He's obviously thought he could make a name for himself - well he certainly has now. His bosses will be delighted to receive the Solicitors letter. I hope that their investigation shows that muppet of manager up for exactly what he is - a jumped up little nothing:mad: Best wishes x

Hi LB - good to see you're still giving them what for! Keep up the good work:D

Best of luck for the future Clemma - I noticed that your location had changed (I saw you were Sunderland and then Gateshead - I'm not far away sunny Durham:D) I'll join you in a cyber drink or 3 to celebrate xx

One from Lowells/Red (I've heard it twice this week when I rang for a fun chat:p) Them : We're looking for payment in full today by credit or debit card. Can I take your details now please? Me : No .......... :D

I'd be tempted to write to them, tell them you've redone your income and expenditure figures and can only afford, say £10 a month. The £30 seems like a lot. Then you can send off your CCA agreement requests which will probably put the accounts into dispute - thus giving you a little more breathing space. Also I think it would be a good idea to cancel the direct debits. You don't want them having access to your bank account!! If you are going to pay them, say £10 a month, get some paying in slips from them. That way you are in control and not them!!! I used to be petrified if a DCA rang me and almost in tears when I received a letter. Thanks to CAG I'm not any more. I actually look forward to ringing them -- but only because I like to wind them up;). The more you read around this site the more confidence you'll gain. You'll get there - stay strong and follow the excellent advice on this site. Best wishes.

I dont know why, but I never finished my conversation the next bit went along the lines ..... Red Yes I've just finished reading your letter. I don't actually believe you're entitled to a refund Me Yes, well I am of a different view to you then. Red I'll pass your account to our admin dept to deal with. Me so you're not taking me to court then. I'd quite like a day out with you. Red Pardon Me I'd quite like to go to court with you and then I could get my charges back. Red The Admin Department are dealing with your account now. Me So what would you like me to do with this letter you sent saying you were taking me to court. Red You can disregard the letter. Me Should I burn it, shred it, bin it Red Yes, please disregard. Me Can I take your name again please, i may need it for future reference. Red Gives name. Me Thank you very much for your help today. If you should happen to ring me again ^NAME^ then I'll be personally reporting you for harassment. Thank you again. Bye. Red Thank you madam, goodbye Now I thoroughly enjoyed our conversation - the guy was so harassed by the end of it - I do hope I didn't totally ruin his weekend REMEMBER THE CAG GOLDEN RULE - DON'T PHONE A DEBT COLLECTION AGENCY --- unless it's for the fun of it. DO NOT BE INTIMIDATED BY THEM. I'm going to ring the other phone in the office next (the one on the desk that sends out letters with LOWELL letterheads). LOWELLS / RED AND HAMPTONS LEGAL are one and the same.

Hi Chesterfieldmum.. Welcome to CAG - we certainly don't judge here:) You've obviously been through the court process and will need to go through it again. I cannot really give you any advice (but do offer moral support), other than to say I know the situation you're in and that the wonderful Ell-enn will hopefully be around soon to offer you some advice. I have read on the forums that judges have a directive to try to keep homeowners in their home if this is at all possible, so if you can show that you can recommence payments I'm sure they'll be sympathetic to that. Stay positive.

Hi Chesterfieldmum.. Welcome to CAG - we certainly don't judge here:) You've obviously been through the court process and will need to go through it again. I cannot really give you any advice (but do offer moral support), other than to say I know the situation you're in and that the wonderful Ell-enn will hopefully be around soon to offer you some advice. I have read on the forums that judges have a directive to try to keep homeowners in their home if this is at all possible, so if you can show that you can recommence payments I'm sure they'll be sympathetic to that. Stay positive.