Flm Have Taken Me To Court

[rye1980]

hi guys flm have taken me to court today even tho the citezens advice tried to come to a compramise over my loan repayments,i was unable to attend the hearing due to a job interview and was wondering if they could place a charge on my property and how long this takes to happen,as i am going through the goverments mortgage rescue scheme and i dont want this to ruin the chances of it being completed

[cashins]

As you did not attend, they would have got judgement by default and if flm were quick on their feet, they could have gone for the charge at the same time.

 

David

[tigga_1961]

hi guys flm have taken me to court today even tho the citezens advice tried to come to a compramise over my loan repayments,i was unable to attend the hearing due to a job interview and was wondering if they could place a charge on my property and how long this takes to happen,as i am going through the goverments mortgage rescue scheme and i dont want this to ruin the chances of it being completed

hi rye1980 sorry to hear bout ur run in with flm any news on the outcome yet, they realy are :twisted:barstewards and wont listen to any reasoning

[cashins]

they could have gone for the charge at the same time.

 

 

Now I think about it they couldn't; you would need to default on the judgement first.

 

David

[rye1980]

ended up having to pay £200 a month instead of £133 that i was supposed to pay even though the citizens advice sent a letter to the court stating that i am in financial trouble,so now the c.a.b have advised me to file for bankruptcy which i will be doing in the next 3 weeks and im pretty nervous about doing

[Ell-enn]

They will have got that amount agreed in court because you weren't there. You can apply to the court to have the payments lowered to an amount you can afford - you do that on an N245 form (I've affixed one to this post) there is a fee of £35.00 to pay for putting the form in. If you are on benefits or a low income you may be exempt from paying this fee.

 

If you do decide to put in the N245 take a photocopy of it for your own records and take it to the court asap. Make sure the amount you offer each month is the amount left over after everything else has been accounted for.

 

I don't know if CCJ's can be included in bankruptcy so you need to get the payments lowered right down if you can.

n245_0204.pdf

ex160a court fees.pdf

[cuzznx]

Has anybody got any suggestions on how to deal with FLM, i have tried asking them to spread payments over a longer term, i have asked to change the payment date, all to no avail? I don't normal let these people bother me but the constant text messages and phone calls about my late payments and charging me £20 for a letter when the payment was only 3 days late. I am having some quite severe financial problems at the moment and am really struggling to cope. If it wasn't for the fact that my son is also my guarantor i would tell them to go *^ck themselves!!! I really don't know what i can do because they are being so awkward and obstructive. I know that i should never have taken the loan out in the first place cos i really couldn't afford it and really FLM should never have offered it to me, given the amount of financial commitment i already had and also my son couldn't really afford to act as a guarantor either, again due to the level of financial commitment he already had. What happened to the"Responsible Lender" policy. Is there anything i can do to get them off my back because they are really starting to stress me out??

[tigga_1961]

hi, sorry your having a rough time with flm but there isnt anything you can do as your son is guarantor and if you dont pay they will chase him for the payments. I was in a similar situation to yourself and can sympathise with you, but then u ask what about responsible lending? what about responsible borrowing if you took out the loan and were already up to the hilt in debt you cant really blame flm, and you son knew the risks when he agreed to go guarantor, unfortuately you will have to treat flm as a priority debt ie same as mortgage/rent and pay them as they will no doubt take you to court..As regards the text messages if you have a landline and they have that ring them and TELL them to remove the mobile number they dont need it and the amount of texts amount to harrasment and you son can ring and do the same. sorry i cant tell you what you want to hear but as you can see by the previous posts they lent you the money and they expect paid back.

[cuzznx]

Hi tigga 1961,

Thanks for the info,my concerns are that i have explained the situation to them and that at the moment i am struggling to keep up the payments. I have asked them to extend the term, they refused, i asked them to change the payment date, so that it falls in line with when my benefits get paid, they refused unless i paid a month in advance (if i could afford that i wouldn't have been having the conversation with them in the first place).

As for my son, he agreed to be my guarantor because i asked him, if he had known what it entailed, he would have refused. My fault? yes entirely.

I have never had any trouble before with creditors, all have been sympathetic, but FLM!!! No chance!!

What is so annoying is, i never even applied to FLM for a loan. It was sorted out by one of these so called brokers. But that is entirely beside the point, there must be some way of reasoning with them?

[tigga_1961]

hi, i understand exactly where ur coming from i was in the same boat went from working f/t to fighting cervical cancer and they still wouldnt listen, i did ask them to change my payment date which they done, but got in the final say that they would only do it 3 times in 12 months. have you tried speaking to a manager rather than a fone basher, i emailed james benamor the md and he got adrian harrison to ring me. still didnt get anywhere so i had to re-priorotise my debts, you could try cab, see if they can suggest anything but they hold the ace card-guarantor unfortunately.if i can offer any more advise just shout

[bxrs1960]

I am new to this Forum, and desperately need help.

To keep it short,I stupidly acted as a guarantor, for a so called friend fora £3,300 loan, on 06/06/08 he paid loan okay for approx 1 year, then fell into difficulties, then like other posts I have read. the vultures start. the credit agreement was sent to me after numerous requests, on 24/08/09 . which like others I have seen is completely illegible. flm are now taking me to County Court, how will I stand, as I am just about paying my bills