Threat of Reposession from First Plus Solicitors **SUSPENDED**

[Worried6]

Could I ask for opinion on charges. I asked for a statement of arrears from FP and received what looked like the breakdown of the monthly payment times the number of months arrears which is correct. What I haven't got is a recent statement of the account in full. In the latest papers received the solicitor quoted a sum which seemed v high so this is where the charges will be embedded I presume. Should I have this before court?

If I am successful next week in getting a payment arrangement and a suspended order can I query the level of charging afterwards? At the moment all I want to do is get the threat of eviction removed but I am planning to try and sell the house to settle the full account and I would definately need to understand the figures then.

Thanks

W6

[newstarter]

Send in a s.a.r.s ,subject access request to fp it will cost you 10 pound ask them to include all information and that includes charges made to your account ie litigation,late payment and arrears charges, they have to supply this information within 40 days under current disclosure laws and freedom of information.

[newstarter]

Send in a s.a.r.s ,subject access request to fp it will cost you 10 pound ask them to include all information and that includes charges made to your account ie litigation,late payment and arrears charges, they have to supply this information within 40 days under current disclosure laws and freedom of information.

[Worried6]

Thanks - will do that. I didn't think of using this method.

[Worried6]

Thanks - will do that. I didn't think of using this method.

[sillygirl1]

As it has gone to court SARing them won't help much, you really need to do a CPR request for information instead stating EXACTLY what you want from them, and this does not cost £10.

[sillygirl1]

As it has gone to court SARing them won't help much, you really need to do a CPR request for information instead stating EXACTLY what you want from them, and this does not cost £10.

[newstarter]

mmmmmmmm good point sillygirl but as worried6 is planning on selling i would have thought the more information the better,when i sent a sars to my lender i recieved lots of usefull info about my account which i have since used to my advantage,however point taken,thanks for that the more knowledge we have the more empowered we become.

[newstarter]

mmmmmmmm good point sillygirl but as worried6 is planning on selling i would have thought the more information the better,when i sent a sars to my lender i recieved lots of usefull info about my account which i have since used to my advantage,however point taken,thanks for that the more knowledge we have the more empowered we become.

[Worried6]

Hi All

 

No more questions (honest) but just need moral support. D day Tuesday 30th and I feel ill. I have done what I can and just hope I can get through that day.

Ellenn I have written up the statement so I suppose it all depends on how the Judge reacts to us. Thanks for your input and to all the others who have taken time to respond I really appreciate it. I am just so scared.

 

W6

[Worried6]

Hi All

 

No more questions (honest) but just need moral support. D day Tuesday 30th and I feel ill. I have done what I can and just hope I can get through that day.

Ellenn I have written up the statement so I suppose it all depends on how the Judge reacts to us. Thanks for your input and to all the others who have taken time to respond I really appreciate it. I am just so scared.

 

W6

[Ell-enn]

Did you hand the statement into court ?

[Ell-enn]

Did you hand the statement into court ?

[Worried6]

Sorry didn't make that clear. I have handed it in.

[Worried6]

Sorry didn't make that clear. I have handed it in.

[slgsue]

Sorry to butt in but just wanted to show a bit of moral support!!!! My experience of court was not that bad TBH!!! I felt sick, wanted the ground to swallow me up but kept comfort in the thought that I was not the only one in the waiting room going through this, though at times it feels like it!!!! I went with my friend and in Swindon courts there is a little corner where all the solicitors sit and have a natter, we sat there and lightened the mood by guessing which one I would be up against, I was very pleased with the result as there was a woman there that looked scary!!!!! Be strong, their solicitor will try and have a conversation with you, dont be budged and stick to ur guns and judges do understand what you are going through and dont want to see you thrown out of your home. Much love and I am sure you will be ok xx

[slgsue]

Sorry to butt in but just wanted to show a bit of moral support!!!! My experience of court was not that bad TBH!!! I felt sick, wanted the ground to swallow me up but kept comfort in the thought that I was not the only one in the waiting room going through this, though at times it feels like it!!!! I went with my friend and in Swindon courts there is a little corner where all the solicitors sit and have a natter, we sat there and lightened the mood by guessing which one I would be up against, I was very pleased with the result as there was a woman there that looked scary!!!!! Be strong, their solicitor will try and have a conversation with you, dont be budged and stick to ur guns and judges do understand what you are going through and dont want to see you thrown out of your home. Much love and I am sure you will be ok xx

[Ell-enn]

Hi slgsue, good to hear from you and thanks for giving your support on the forum

[Ell-enn]

Hi slgsue, good to hear from you and thanks for giving your support on the forum

[Worried6]

Thanks so much for the support. Last night the monsters came back I'm afraid and then all the logic goes out the window. My husband is taking this so badly and I try to be strong for him but its hard.

I am at the office now and trying to get my head into something else! I'll keep in touch.

Definately shouldn't have watched 'Garrow' last night.

[Worried6]

Thanks so much for the support. Last night the monsters came back I'm afraid and then all the logic goes out the window. My husband is taking this so badly and I try to be strong for him but its hard.

I am at the office now and trying to get my head into something else! I'll keep in touch.

Definately shouldn't have watched 'Garrow' last night.

[Worried6]

Hi All

 

I thought you'd like to have an update as I attended court yesterday. The upshot is the Judge adjourned the hearing for about amonth to allow more time for repayment negotiations!

 

We sat down, he asked for figures from FP Solicitor, he asked me if I had made repayment proposals. He asked me to expalin them and then asked Sol if this was acceptable.

She said no for 2 reasons - one that the repayment offer of £125 was unsuitable give the amount of the arrears. The other that I had given preference to unsecured debts namely the 2 loans.

He spoke directly to me and asked if I wanted him the 'hear' the case there and then but that given this was a first appearance he would offer a lenient view and adjourn until I had more time to negotiate with the Solicitor/FP. He said it was 'my call' and that he would proceed if I wanted him to but warned he couldn't predict that he would find for me, it could go against me.

I was stunned but had to think quickly. I thanked him for the offer of more time and accepted it. I said I was committed to getting a workabe plan in place.

He made no comment about the issue of taking from 1 debt to pay another which I had thought he would. There was no comment on my statement and no comment on the amount of the monthly payment in relation to the remaining term of the loan.

He tried to get a date there and then but the office line was busy. I suppose it will be heard after Christmas now. He told me I'd get notification in the post. Also that it wouldn't necessarily be him who would sit at the next hearing.

Thats was it - out the door in 15 minutes and a bit gutted that I am still in limbo. Worse still I have no faith that they are going to listen to me at all.

 

Thanks for everyones support in this, not over yet.

 

W6

[Worried6]

Hi All

 

I thought you'd like to have an update as I attended court yesterday. The upshot is the Judge adjourned the hearing for about amonth to allow more time for repayment negotiations!

 

We sat down, he asked for figures from FP Solicitor, he asked me if I had made repayment proposals. He asked me to expalin them and then asked Sol if this was acceptable.

She said no for 2 reasons - one that the repayment offer of £125 was unsuitable give the amount of the arrears. The other that I had given preference to unsecured debts namely the 2 loans.

He spoke directly to me and asked if I wanted him the 'hear' the case there and then but that given this was a first appearance he would offer a lenient view and adjourn until I had more time to negotiate with the Solicitor/FP. He said it was 'my call' and that he would proceed if I wanted him to but warned he couldn't predict that he would find for me, it could go against me.

I was stunned but had to think quickly. I thanked him for the offer of more time and accepted it. I said I was committed to getting a workabe plan in place.

He made no comment about the issue of taking from 1 debt to pay another which I had thought he would. There was no comment on my statement and no comment on the amount of the monthly payment in relation to the remaining term of the loan.

He tried to get a date there and then but the office line was busy. I suppose it will be heard after Christmas now. He told me I'd get notification in the post. Also that it wouldn't necessarily be him who would sit at the next hearing.

Thats was it - out the door in 15 minutes and a bit gutted that I am still in limbo. Worse still I have no faith that they are going to listen to me at all.

 

Thanks for everyones support in this, not over yet.

 

W6

[Ell-enn]

I think the best thing to do is keep making the payments you have offered as this will show the judge at the next hearing that you are committed to the proposal.

[Ell-enn]

I think the best thing to do is keep making the payments you have offered as this will show the judge at the next hearing that you are committed to the proposal.