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  1. Hi all, We received a judgement from the county court for the reposession of our property if we dont pay the judgement debt of £2,450 and costs of £1,450 for an outstanding Anglian Water debt. This despite us having a arrangement direct with AWS to pay £50 monthly on the current balance. The judgement applies to 2 x charges against the property made by AWS which went to court. Is it possible to defend against this judgement at such a late stage? Judgement was made on 25th Jan giving us 28 days to deliver possession of the property to AWS.
  2. Hello, I have an eviction date of 13/07/2011, i am £7500 in arrears with my mortgage the original repossession hearing was back in 2005/2006, since then I have had a very poorly baby, been very ill myself and still have problems with my blood pressure and liver. NRAM have issued an eviction date and i have complied with them and provided all my I&E details. I rang today to make my normal payment the gentleman stated that they have made a decision and that i need to pay £4k off the arrears and increase my offer of overpayments, they are stating t
  3. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  4. Hi need some help please filling out my defence for up and coming repossession hearing against G.E.Money date is set for 13/01/16 Monthly payment £264 arrears total £842 Hoping I can raise the issue of amount of charges added to account off the top of my head approx £3000 Interest is also charged on top and statement says I have paid £1000 towards these charges By the time it gets to court I would have made Decembers payment and brought arrears down to approx £700 Any help will be really appriciatted
  5. I don't know if anyone can help me, my car was repossessed today from the building i live. It was in a gated parking so not sure how they managed to get in and out to begin with. I do understand that they had the right to reposes the car without a court order as i did not paid up to 1/3 however can they just come and take it, no default notice no notice nothing? Also they do seem prepared i think to return the car when i spoke with them they said we can work out a payment plan if i want but i am wondering if is that easy for them to repossess the
  6. Hi all, I am looking for advice? This is lengthy so please be patient with me... I took out HP with Moneybarn in March 2013. I have always maintained my payments of approx £500 a month earlier i suffered a breakdown and as a result had to leave work. I am still unwell and are currently claiming benefit and have always kept Moneybarn up to date with my situation. They terminated my contract in April and was told that a local Solicitor would be in touch regarding returning the vehicle. I have limited use of the vehicle and it is not accruing major miles BUT it
  7. Hi all I'm after some urgent help please. My ex partner and I took out a secured loan with Paragon a few years ago to cover some debts we had. Then we split up and I took over the loan so that I could keep the house. Everything was going fine, even when I lost my job in 2011 as I walked straight into another one so could keep up the monthly repayments. Then in Feb 2012 I lost my job and couldn't make the payments, so I was making token payments each month of £10 or £20 depending on savings against the monthly due of £156. I applied for help from DWP with my
  8. Hi CAG team, In 2012 my home was repossessed after I could no longer pay the 2 mortgages on it due to unemployment and chronic health issues. My local council had tried to get me into the mortgage rescue scheme, but the housing association involved declined due the the short term remaining on the lease. I had the flat valued by an estate agent and the first lender, Mortgage Express, encouraged me to sell the flat myself, but the second lender, First Plus, refused that offer at the final court hearing, saying it would take too long. The judge granted possession. I
  9. Hello, last month we purchased a vehicle from Arnold Clark and part ex'd our own vehicle. Prior to agreeing to buy we made the salesman aware that I only had a provisional license and asked would that be a problem with the finance (my wife would be the main driver until I pass my test with me driving it provisionally.). The salesman said that wont be a problem, the vehicle just has to be comprehensively insured. We submitted all information for a credit check and we received a call the next day from the salesman that the finance had been accepted and asked i
  10. Hi, can anyone give me some advice. I live at an address with my landlord. But as a tenant in a separate part of the house. He went to court for a repossession 9th Jan 2015. He was then involved in an incident resulting in an assault charge against him. His previous court appearance he pleaded "Not guilty". The warrant of possession was granted 6th Feb 2015 but speaking to the solicitors they cannot act on it until the 2nd court case 6th March 2015. I think this is because it is his bail address. The debt on the house is large, around £400K and has been ongoing for around 2 years now.
  11. Hi all. Under the terms of my contract I can return my vehicle to close after x amount of payments. I've already reached this milestone so wondered what the effects of voluntary terminating my agreement would have on my credit report. See I want to change my vehicle for something much more fuel efficient but part ex amount is ridiculously low the only option I appear to have is to return the vehicle. Any advise appreciated.
  12. Hi All Only just come across this site, Im seeking advice. GE Money are taking me to court for repossession of my house. I am married with 4 children. My monthly payment of my secured loan is £250. At the moment I am £850 in arrears. I have made arrangements to pay the arrears, but have struggled to make the payment. I have made a payment of £350 last month, with the plan of making that each month. By the time my court case comes up, I will be £600 in arrears. The loan is in 2 names. Do I have to fill in court papers for each person,
  13. First repossession where there were no arrears, details in this thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?426052-HBOS-repossessed-house-No-arrears Now, HBOS have repossessed another house, although unlike the first repossession where there were no arrears, there were arrears on the second repossession though IMHO this still should not have been repossessed. 1. HBOS possibly did not follow pre action protocol relating to this second repossession 2. HBOS did not inform me of the repossession 3. HBOS did not make allowances for tenants renting the prope
  14. Hi there, Just after a little advice. Last november (2013) my mortgage company applied for reposession of my property. I went to court and managed to get it suspended. I have now cleared the arrears as set out in the court order and have made 1 mth mortgage payment on time. I was just wondering if i can get the suspended reposession order removed or set aside or does it remain in place for the reminder of the mortgage. Also was wondering if i should start the ball rolling in claiming all the fees and charges back, i dont want to start to rock the boat with the mortgage company as we are j
  15. Hi all, we regrettably took out a secured loan of £6500, (which included broker fees etc.) with BF in 2007 to help deal with other debts. a stupid thing to do but at the time were in financial difficulty and thought it was the best way out. our loan period ended september 2012 at which time we were informed that we still owed £3949. to say i was gobsmacked was an understatement. yes we again got into difficulties with repayments but made sure we paid the arrears as soon as we could, {we were never more than 3 months behind } in fact we paid back more than the missed pa
  16. Basically I'm in a right mess. I lost my job in 2012 and we got into arrears on our mortgage. The mortgage company took us to court and got a suspended repossession order and we agreed to pay back our arrears over monthly instalments. My wife went back to work as I couldn't find a job and we managed to maintain the payments. In October my wife was signed off work for pregnancy problems and hasn't been able to go back to work. Thankfully we still managed to pay October and Novembers payment but missed Decembers. I however found a job which I started the beginning of this month and my
  17. Hello To shorten a very long storey. We owe a bank money in relation to secured and personally guaranteed loans for a company (now liquidated) We have never said we don't owe the bank the money but dispute the amount. The bank should never have started possession proceedings for several reasons, one being that the notice or warning that they intended to start proceedings did not tell us how much we owed. They then proceeded to claim an amount £40k higher than the actual debt! (they are now claiming the correct amount) Anyway these and other issues have lead us to dispute a porti
  18. I have recieved a repossession hearing date from the courts for Capstone Mortgages, due to being self employed my payments have always been a week or 2 late but I have always paid. However due to the 2 recent bank holidays the cheques from my customers arrived even later, which put me one whole month in arrears and the next month 2 weeks overdue. Which they said amounted to £960. However upon phoning them one of my payments had crossed the letter in the post and I was only £460 in arrears, but they were going to add on £115. I paid the £575 and t
  19. I had a finance agreement with Park Motor Finance in Wales in Sept 2006. I have lost the original agreement so have only memory to go by. I paid the car for 2 years and tried to Voluntary Terminate, sent letters and phoned them. They made it difficult to VT as they said the car had to be taken to Wales from Scotland. Then said Newcastle or i could arrange an uplift for £500 all at my expense. The long and short of it is the car was Reposessed about 6 months later after i had stopped payments to them about Aug 2008. As far as i remember i never had a court order to reposess the c
  20. Hi, I have a car on HP with Santander, and since the car was 2 weeks old have had many issues with the car. I notified both the car manufacturer (Vauxhall) and my finance company (Santander). Since then, neither company has been willing to help, and so we took the investigation to the FOS. Unfortunately, after many months, we didn't seem to be getting anywhere with the FOS, so we told them to close the case. It was only the other evening that a repossession company phoned me (9:30pm), and asked if I was at home (I wasn't). He stated that he was from Santander (which
  21. Hi my wife and I are moving abroad in around 6 months. We have been trying to sell the house for the last 18 months to no avail. We have had the house since 2007 and have come to the end of the fixed rate period. We have a NRAM together mortgage total £127k (£112k secured £14k unsecured) the house is on the market for £114950 we have had viewing but no offers. We cant rent the house out as the rent would not cover the mortgage payment. Our credit history is already shot to bits from when my wife was redundant. We are sending money out to the "new" country to set up life out th
  22. So, let me set the background. A friend of mine has some serious issues, owns a house with his wife ( who has left him for some 4 years). mortgage well in arrears ( now intrest only payments taken from his benefits) He's getting letters asking him to have a valuation done by the mortgage company ( they have been in talks for over a year) If i wanted to purchase the property, and my friend agreed, how would i go about that? This is a circa 220k house, with an oustanding mortgage of 145k including arrears. If i simply called the lender, and offered to take a new m
  23. Ok….so the Wolves are well and truly closing in and I’m starting to crack under a number of different pressures and would really really appreciate some sage advice as I am not thinking straight…..please excuse the rambling… I am in arrears on my mortgage and made an arrangement with Shoosmiths in March to pay back a portion of the arrears and the payment due each month - unfortunately a number of different circumstances have arisen that have destroyed my ability to pay and so the last two months have been unpaid - I informed shoosmiths of my circumstances with the intention of getting bac
  24. Can anyone help. i have been to court this morning, the hearing has been adjourned for 3 weeks. The story so far. I have a loan from November 2007 and matures in November 2012. I have arrears to the sum of £3000. The initial loan was for £5500, i have currently repayed £7685 and the original amount including interest if i hadnt got in arrears is £7937. Now, i have got the FOS involved in July 2012 as i have over £2500 in charges, administration fee, direct debit recall fee, solictors fees, default fee's. I called them today and they havent received paperwork, i am sending this
  25. Hi I'm new to the site. I am due in the county court on 23 November as Firstplus are seeking a reposession order on my property. My Husband I took a secured loan with them in 2006. the interest rate continued to rise despite falling BOE rates and we have simply been fobbed off with 'the rates reflect what it costs us to lend'. We paid the loan solidly for 5 years and then I lost my job. I requested an early settlement fee, as I had received a severance payment, but was told that I would pay a penalty rather than receive any rebate. I did not have enough to pay the loan off. I was o
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