Hi, First post here out of desperation. We took out a home secured loan around 6 years ago(possibly more ) for £10K to do some home improvements. (initially through south pacific ,is a secured loan the same as a mortgage ?) we are on very low income . I work self emplyed for a pittance and my wife is now claiming state pension. We missed two payments of just over £120 each a few years back, which we initially were going to pay but they quickly added to the total with arrears management fees etc. we have plodded on despite a drop in income and never missed a payment since. They have sent an advisor out 2-3 times without us agreeing and charging us £90.00 a time. The last time we agreed with the advisor to pay an extra £10.00 a month to help clear the arrears which we have done despite Acendon not acknowledging this offer or agreeing to it. This we have done now for over 12 months. They continue to add a £70.00 arrears management fee on plus a £5 fee for alternative payment method (we were advised by the advisor to pay through the bank faster payments system,which we have been doing. We received a letter today stating that the arrears is now almost £3K and due to the level of arreas they now intend to pass the matter to solicitors unless we pay the whole amount of arrears. Do charges count as arrears in a court??? We have missed two payments totaling less than £250 and they have us now owing almost £3K. This matter is worrying me sick . I have to look after my wife who has a couple of illnesses ,but was refused any form of benefit,and i have to work around this,every day. Any advice would be great ful on how to deal with these people. I refuse to talk to them on the phone any longer and only deal with them by letter. Thanks very much Bob

Hi Back in 2012 Ascendon applied for and got an eviction date from a suspended repossesion order from 2008. I posted on here and thanks to Ellen's fantastic help and advice I attended court and the judge suspended the order again provided I paid the monthly mortgage and £300 per month. At the time this seemed realistic and affordable but Ascendon kept on making things very difficult for me. They wouldn't change the payment date despite me not getting paid until the 10th of every month and they insisted I phone up every time.However by sept 2013 I was completely up to date with the mortgage but my business has struggled over the last year (due to a restructure of the company I work for) and I've fallen behind with the mortgage again. They have now gone back to court and obtained another eviction date, set for Thursday 23rd October 2014. My questions are:- 1. How long does a repossession order last-as it seems to just sit there indefinately and as soon as I'm a couple of months behind they start proceedings again. They know I'm self-employed and they always get their money but they are so inflexible and keep adding on countless charges. 2.I never get noticed of when they go to court to obtain an eviction date-is this right ? I just find out from their solicitors letter, which by the time it arrived this time gave me 2 weeks notice. 3. I will fight again to get the eviction date suspended, but I can't remember what to put on the n244 etc (I lost all copies of my previous eviction when my house flooded) Can anyone help ? Thankyou

Hi I was made redundant at the end of May and had enough foresight to take out redundancy insurance. The insurance people want the claim form signed by the JobCentre (fair enough), but trying to get them to do this is proving v frustrating as they won't do it until I'm "in the system". This means it looks like I won't have enough to pay the full mortgage this month. Any advice on if I should contact Capstone or what will happen if I miss a months payment. Cheers. p.s. It looks like I could have got a job with the council (fingers crossed), but they're taking ages to confirm it and get the documentation out. Can't believe how slow the public services systems are