Took out a secured £12k loan in October 2007 over a 10 year period. Please note I didn't want to take out the loan but had no choice if I wanted a quiet life as at the time I was in a controlled marriage ..mostly mental with some physical abuse resulting depression, anxiety and panic attacks . The 10 year loan gives 120 months worth of payments out of these 120 months I made 107 payments on time and 13 missed payments these were down to my so called husband taking the money out of my wages in the bank to pay loan and saying would put back to pay but never did ... with my depression and my husband controlling my money I worked but had to ask him if I needed money all debts he ran up were in my name and l developed a serious problem with opening letters as they were always for his debt and I didn't have the money to pay them as all my wages had to stay in bank... I have unopened letters hidden around my home going back at least 15 years ... Getting back to the lovely swift advances due to not opening letters I found out that swift had taken me to court for the missed payments and because I had no idea they had been given the repossession order . . My daughter for whatever reason as she never ever had before opened a letter last Tuesday 3rd April from a company called R & K and it said they would be coming to our home on the 11th April which was yesterday to remove us and change locks ... I immediately contacted this company and they told me I needed to contact swift as they were only ones who could tell them not to come out on the 11th ... on contacting swift they said my loan had came to it's 10 year end on October last year but I had the 13 missed payments as arrears which when I add them up come to £2,600, when swift add them up it comes to £18k and they wanted that as a one off payment to stop taking my home ... in the past few days I asked them to consider me paying £300 A month to clear the ridiculous amount and I also asked if they would reduce the amount to a more reasonable amount and I would see if I could get the funds from family and friends and make a one off payment they said they would have to ask management/directors the following morning and get back to me later that day which was Monday this week ... I spoke to them after work on Monday and they advised I had been turned down on both of my requests and only option was paying the full £18k .. .they also informed me that they had postponed the date to take the house from 11th April to the 14th May to give me time to try and sort out the payment ... I also found out that they had actually turned up at my house in February to take house but my dog was in house barking so they cancelled it and charged me over a £100 for that ... my daughter was home that day she also has mental health problems worse than mine having had a mental breakdown at age 13 due to her father's behaviour ... the day they came out bearing in mind I didn't know anything about this happening due to unopened letters my daughter rang me frantic at work saying a van was outside house and men in garden outside our home... I asked her for name on van and googled it but it didn't give me any idea what it was about ... I am now taking on the fight of my life to save our home as my daughter sees this as her safe place since her breakdown and she is now starting to show signs of shutting down again and I can't let that happen to her... any advice woukd be most appreciated .. . Thank you in advance

Hi My daughter's ex registered a car at our address - we didn't know he did it at the time and he didn't have our permission. I remember him chasing her for a log book but don't know if he ever got it. He has since had a penalty notice from a borough council which has been referred to Newlyn bailiffs. The bailiff posted a letter through my door just now saying he will be back in 24 hours to take an inventory and I have to prove that none of the goods belong to this lowlife. I rang the bailiff (big mistake probably) and explained the situation but he doesn't want to know. I told him that my daughter has two kids with this man but doesn't have that much contact with him and isn't sure where he lives. She just knows his mum's address. The bailiff said it doesn't matter. Ours is the address he has and that is the one he will attend for taking an inventory. He said he will give me 7 days to get the lowlife to contact him and arrange payment. Lowlife will not pay because he's a lowlife. He pays nothing. I am at my wits end and don't know what to do. Please, any advice would be welcome. thanks PS there is another penalty we sent back to council (different council). Does "not at this address" mean anything anymore? Is this going to happen again? Update: I've spoken to my daughter and it turns out a similar call was made to his mum's house (must be for a different car?) and she showed them her tenancy agreement and they went away. This bailiff said he wanted proof that he didn't live here but also said I had to prove my/my daughter's goods are not his. How can I do that? I don't want the bailiff in my house at all. I feel violated enough already. Lowlife seems to think we can all just make this go away for him!!!

Appeal tribunal tomorrow...(ESA). Absolutely bricking it, haven't been able to sleep in days with the stress, feel much more stressed than the actual ATOS exam, keep reading the forum and see people taking representatives with them, what's that all about as I was unaware I know it's too late but what do they mean by representative, as it's only myself and my mother going.

WOW! Is that talent or is that talent.

http://uknationalforums.com/showthread.php?1080-You-must-watch-this&p=2706#post2706