GMAC/Wave lending- repossession **Tried twice we won both**

[lizzyjc]

thank you

i will be in touch

xx

[Bona]

dont worry I had a hearing as a large payment I had promised again it was from realatives didnt materalize and the Judge was great they do understand

[lizzyjc]

thank you for responding.are they really understanding.i can prove my hubbies income and i have a job offer so all looks good at the moment.what was the outcome for you??were you in there long??

[jansus]

Hi

 

Just to say hope it goes ok for you tomorrow.I am sure with all the help you have had you will be ok.

 

Out of interest are you going to be helped in your financial position by any of the recent rate drops? Have the C&G passed any of those on to you yet?

[lizzyjc]

hi ell-en.i have printed off your form but i have a job offer myself in writing.it is with my hubby's company but shows more money coming in.should i add to statement or just hand over seperately??

[Ell-enn]

Are you able to edit the statement? if so, add a sentence after the part about your husband's job. "Also, Mrs XXX has just received an offer of employment which will further contribute".

 

Take a copy of the offer and write the claim number and Appendix 1 on the top like the other attachments.

 

If you are unable to edit the statement let me know and I'll affix an amended one straight away.

 

Ell

[lizzyjc]

i will try now.do you think that will help us out in court??

[Ell-enn]

You have positive points in your statement for the judge to consider. I cannot see any reason why he would order eviction. I'm sure you will be OK, just try to stay positive. You have an income and can show you are able to afford what you are offering so you have every chance of success.

[GLADSTANES]

ALL THE VERY BEST TO YOU TOMORROW.

 

Never give up, never give up, never never never. (W.S. Churchill)

 

Gladstanes

[jansus]

Yes all the best for tomorrow.

[OLIVE.FAMILY]

Hi there Lizzy

 

Just popping my head in to wish all the best for tommorow morning. Just remeber that we are all thinking of you and when you walk into that room you are not on your own as you are taking all of us with you. We are all with you 100% of the way. For this reason please dont forget us when you win and tell us as soon as you can

 

Please try hard not to panic. We have all been there myself included. I have faced repossesionm three times this year and each time Ell-en and the gang talked me through it step by step and I still have my home.

 

The judge does not want to take away your house unless you really can not afford to pay. You can pay. You will be ok. Thing positive thoughts.

 

WE ARE ALL WITH YOU

 

all the best for the morning

[Ell-enn]

Hi Lizzy, have you got the statement changed and printed out yet?

 

Ell

[mazza1970]

Hi Lizzy, I have been reading this thread and just wanted to wish you the best of luck for tomorrow.

 

x

[Bona]

Thinking of you all will be fine

[Mr Worried]

Good Luck for your hearing today.

[OLIVE.FAMILY]

I hope you are ok.

 

xxx

[lizzyjc]

HI EVERYONE

Well it went in my favour.HOORAY!!

I am so relieved.Last night i slept for two hours and kept waking up feeling sick.

When it got to this morning i was a wreck.Dropped kids at school and headed to the court.

Now for those of you facing this prospect now, let me tell you no one could have been more scared than me.I have read some horrible tales of how awful the waiting room is and how awful the courts are.My experience although i was petrified wasn't half as bad as i had imagined.

There was three waiting.I was in at ten.I was looking at the clock when i heard at the desk a man come in saying he was a representitive from the mortgage company.My heart sank.I knew i would crumble under pressure.He came over and asked if we could chat.I had been advised against this but i listened as he detailed there case against me,I didn't tell him much about what i was going to say.

Then after 5 mins or so we was called.The judge was just a man.Like any man you see in the streets.Sat behind a desk.Don't get me wrong i knew his power could take my house away but i suddenly felt at ease.I waited for him to address me and i handed him my statement and my budget sheet.He was concerned about my level of arrears but suggested we suspend the possession subject to us keeping to our required repayments.

I could have jumped up and kissed him (I DIDN'T)

I left the court feeling as if a huge weight had been lifted and i could look forward.

We HAVE to stick to the repayments and intend to as i never want to feel like that again.

THANK YOU SO MUCH to everyone who wished me luck and sent messages of support.Thanks to ELL-EN who must be an angel in disguise.

If anyone wants to know anything else please email me as i would be happy to help.

Everyone told me to be positive and i tried to.My sons line in his school nativity was (DON'T BE AFRAID).I kept thinking it over and over again throughout last night and this morning.

YOU WILL ALL BE OK

XXXXXX

[OLIVE.FAMILY]

*congratulations

I am so very very happy for you. You really deserve it. Well done. Now have a drink of something nice tonite sit back and relax. Sleep well

Have a wonderful christmas

olives xxx

[lizzyjc]

:)

Thank You So Much.

Thank You For Your Support.

Isn't It Funny How None Of Us Knows Each Other Yet Have Been Supported By Strangers More Than Our Friends We See Everyday.

You Have A Lovely Xmas Also

Love To You And Your Family

Xxxxxxxxxxxxxxxx

[Ell-enn]

What wonderful news! :):)- I am so pleased for you and well done for being brave - (told you you'd be OK )

 

I hope you can relax now and enjoy your Christmas

 

Kind Regards

 

Ell xx

[OLIVE.FAMILY]

That is spot one. I went to a christmas meet last month and I felt like I knew them. Well untill I found out that some of them who I thought were men were actually women(woops)

 

I think we support each other more on here because we are not scared of telling each other how we feel or how scared we are. It is easier telling somebody on a computer as we cannot see a reaction. We have also been in the same position as well, where as a lot of friends have not.

 

Again a very big well done

 

olives xx

[lizzyjc]

THANK YOU ALL SO MUCH.

i have just had a thought though.When the judge suspended it does it go to the bailiffs office as i dont want them turning up tomorrow!!

[jansus]

When the mortgage company representative spoke to you - did he put you under much pressure?

 

Also did he trya nd argue with the judges decision at all?

 

 

Well done by the way - and hope you all enjoy your christmas without this hanging over your heads.

[lizzyjc]

hi

before we went in he told me what he was going to say in there defence.i didn't really say much about what i was going to say so he didn't put me under pressure as i didn't say anything.he went along with the judge.he did try to get the payments higher though

hope this helps

xx

[Ell-enn]

THANK YOU ALL SO MUCH.

i have just had a thought though.When the judge suspended it does it go to the bailiffs office as i dont want them turning up tomorrow!!

 

Hi Lizzy, the judge will have informed the bailiff's office that the possession has been suspended. Just to put your mind at rest though, ring the court first thing in the morning and check.

 

Ell