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    • Sorry @dx100uk if I was unclear, I cannot see if something shows on Experian as a matter of fact because I'm not paying the Experian service, I'm only seeing my score, no granular details, thats it. and as mentioned previously, to get a credit statutory report is a whole palava if you are abroad, I'm not even sure that experian would do it and I looked at Equifax, they ask too much details and proof for my liking to have a credit report sent abroad Putting that aside and considering I cannot know who owns my debt currently (and you seem to say that the fact I received a first nice email from the DCA, they could already own my debt), you sem to suggest to not do anything at all and forget  If there was a court claim in the process already, would not I receive an email or is it only by surface mail that court claim are served ?  Thanks again
    • No, this is her own account. Nothing to do with mine. In the background to your debt it is listed as "an agreement with PayPal Europe Sarl & Cie SCA" on the 1st page of the letter from Overdales it states that their client is Lowell Portfolio
    • ive just merged an older thread but i see that was you? as this recent PAPLOC is for your wife? did your wife get PP credit as well or is this the same A/C? as for any PAPLOC reply to lowells. hit letter of claim follow post 2 dx  
    • Don’t forget : medical professionals shouldn’t report you to DVLA (absent you not having capacity to do so yourself, or deliberately failing to do so) Because of confidentiality the ideal is they don’t report you. You inform DVLA and the DVLA forms you then complete make it clear you are giving permission for those medical professionals to respond to a DVLA enquiry. (For info, and I hope it wouldn’t come to it for most sensible people who don’t lack capacity:) However, if it is clear someone lacks capacity to inform DVLA (so, if they are a dementia sufferer, for example) , they can inform DVLA on the basis the person would do so if they were capable, and there is a clear public interest aspect. Similarly, if they advise someone who is competent to inform DVLA, and the person chooses not to, they might then repeat to that patient that they MUST inform DVLA, and if that too fails, suggest (for example) a second opinion. If all else fails AND the medical professional believes the person continuing driving represents a risk to others of death or serious harm :  they can inform the patient that they will be informing DVLA (and then do so). Again : on a public interest basis, and trying reasonable alternatives first.
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Help! Have had a court order seeking posession over a secured loan.


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I have been referred to this forum by a friend but to be honest it is overwhelming.

I wonder if anyone can help me specifically.

 

I am self employed and took out a loan for £50k secured against my house in August 2007 as that is the year anyone who is self employed will tell you the recession really started.

I have fallen behind by four months as it has bitten harder. The repayments are £500 a month. I managed to pay £500 this month but they say it will not prevent the court date of 3rd July for reposession of my house.

 

What should I do?

 

Obviously due to the recession my income has fallen dramatically and can hardly afford the existing payments and am worried if I will be in the future as I struggle to get back on my feet and just keep my business going and they are demanding I pay everything off by the court date.

 

I have been told that CCA stuff can be done on debts prior to 2007 april but this is subsequent so what can I do?

 

I am not the brightest person on this sort of thing as I have never had debt problems before so please keep it simple!

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Hi LibertyNow1.

 

Welcome to the forum your in good company here but you may find this may be better posted in the Mortgages and Secured Loans Forum to be honest.

 

I was in a similar situation a few years back and what I do know is don't ignore the loan company (2nd Charge) and try and come to some arrangement with them.

 

As this is secured it is a priority debt along with your Mortgage Gas Electricity and water council tax TV license food etc etc.

 

Any money you have left you can distribute between your remaining creditors (loan and credit card companies) on a pro rata basis.

 

If you have Credit cards and loans you could request a copy of the CCA to find out if they are enforceable if they are unenforceable you can stop paying them while the accounts in dispute.

 

If you end up going to court then you must attend I thing as long as you can cover the monthly payment plus a bit to cover the arrears I think you will be OK I don't think the courts like granting repossession orders in this economy.

 

I hope this helps

 

Squidward

 

P.S I am self employed to so I can sympathise with you

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thank you Squidward.

I should have explained I have tried to come to an arrangement but they say I must pay a minimum of £200 each month on top of the £500 and they will still go to court for an order over the property just in case I default. The person at the call centre was very intimidating.

My mortgage company on the other hand (Birmingham Midshires) has been charming and say I don't have to pay a bean in arrears until october when they will review to see if I can afford a little bit.

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First National Bank got a suspended repossession order on my last house albeit this was a few years a go. I went to court which I think helped.

 

 

I would post in the Mortgage and Secured loan section as there will be some more experienced members who have the specific knowledge to help.

 

Are there any benefits you could claim which would help ?

 

Squid ward

 

Just a thought if you are on a repayment mortgage (Midshires) have you asked if you can change to Interest only ?

 

May save you a few pounds!

 

Squidward

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Problem is with benefits is they are almost impossible to get if you are self employed. If you aren't seeking work you can't get them; and I don't want to let my business go after 25 years doing it.

It is distressing, as the very people who have caused people hardship by ridiculous bank charges and stuff (paid £6k in the last two years) are the very people who the government help whereas small businesses are going to the wall. There is no help for small business; its all gordon brown myths.

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Hi Liberty1, i'll move your thread to the reposession forum, where hopefully you will get some more help/advice/comment...

 

Did you get the mortgage through a broker by any chance ? Any PPI added ? Do you still have your agreement ?

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  • dx100uk changed the title to Help! Have had a court order seeking posession over a secured loan.
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