Hi, I hope that someone out there might have some helpful information for me. In the late 2000's I managed to get myself into a considerable amount of debt and ended up having my house repossessed. As some of you will identify with this was an extremely stressful time and put a large strain on my marriage. My house was repossessed in 2009 and was , I believe sold at auction. I have never been able to establish how much it sold for. In no small part because we 'upped sticks' and left and I never informed Natwest who I had my mortgage with of my new address (frightened, worried , head in the sand etc.). I am now being chased for a £36000 shortfall by G.E Money who I had a secured loan/2nd mortgage with. This £36000 is basically the amount outstanding on the loan...meaning they received no payment from the sale. I owed around £50,000 to Natwest and I have heard that the house sold for around £80,000 so some of the money should have gone towards the GE loan. Does anyone know how I can find out without stirring up any old problems as I have made massive advances in clearing other debts and I'm worried about any potential outcome if I contact Natwest..(ie outstanding fees ect).

Hi All We are facing a horrid time with the Bank of Ireland Litigation team and are in urgent need of some help to set aside a repossession judgment. As time is of the essence I won't go into all the issues we have with how we are being treated by this Bank here (but will return to explain more later) Basically we have a very small portfolio of properties which is instead of a pension. So my wife and I are trying desperately to hold on to them as you can imagine. We have an adopted child with some special needs and financially we are struggling. The Bank of Ireland hold two of our mortgages and have instructed TLT Solicitors. Yesterday I successfully defended a repossession application on the basis that the Bank served the paper work to the wrong address. The judge agreed that as the Bank had written to us at our current address they had incorrectly served by sending papers to our previous address which the Bank claim is the only address they have on their computer. The judge ordered them to re-serve at the correct address and awarded us costs of £100. I now find that they have served again at our previous address for another of our properties and it has already gone to court. As I didn't know I obviously did not turn up for the hearing. The hearing was on May 10th. We have a tenant moving in this Friday. I urgently need to apply to have the judgement set aside but I don't want to make any mistakes. We cant afford a solicitor. Although the Judge in yesterday's case, in awarding us costs commented to the plaintiffs representative on his objection, "You're lucky it's only £100, it would have been considerably more if they had instructed representation." What do I need to do? Can I mention our case from yesterday as a president? I did not take any evidence of my earnings to court so the judge couldn't award anything for this but could I include evidence of my income in this application and request compensation for my time defending this. So to be clear our position is the Bank were fully aware of our postal address as they have written to us at the address prior to serving this repossession notice. We have also been talking to them and their solicitors for several months and no one mentioned this action. They have served at the wrong address. Please help us asap as we really don't want to lose our property. Man thanks to you all. We are so grateful for this forum!!

Please help. I purchased a vehicle on an HP Arrangement which started in April 2009 and I have made all payments to date except for Sept & October HP payments each of 524.42. In December 2010, I was taken to court for arrears and agreed to repay back the monthly HP plus £100 towards the arrears. I have not missed any payments except for the above two mentioned. I only have 7 payments left on a 48 x monthly payment contract so in theory I have paid more than 1/3 of the entire HP agreement. I am concerned as I am now in default of the court order from Dec 2010. Can the HP company repossess the car without a court order?

Help! I have a secured loan with swift advances that I am in arrears with. My income is less than it was when I first took it out as I only have 1 job now. When I took the loan out, Swift didnt ask for any income proof, just how much I was earning. I have now recieved court papers for possession of my property. I am worried sick. I have arrears on council tax and water rates, as well as various credit cards. I do not want to lose my house! I suffer from depression for which I have had periods of long term sick from work and I am still on the medication. Please advise me how to deal with these papers.