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

[Worried6]

I'll try my best. I will open another thread in the General Debt Forum for guidance as I take this forwards. Meanwhile I'm just so relieved to get this bit dealt with now.

 

W6

[newstarter]

First off,congratulations and well done! thats the serious bit over with.Now as far as Tesco,s go pay them what you can and by that i dont mean every spare penny you have,they are going to kick up a fuss but we knew that anyway,pay them what you can,"every little helps" its not secured so to be honest theres not a great deal they can do and the main thing is you wont loose your home.Secondly you wont need to check with the courts now because you have a suspended repo order,you would only check if say you came to an agreement before the case went to court.In a few days you will recieve a copy of the order from the court just keep that together with all your other paperwork.F.P,s reps will also have a copy of the judgement so you wont need to do anything,just sit back and enjoy the rest of christmas and the new year,good luck worried6 and once again well done!

[newstarter]

First off,congratulations and well done! thats the serious bit over with.Now as far as Tesco,s go pay them what you can and by that i dont mean every spare penny you have,they are going to kick up a fuss but we knew that anyway,pay them what you can,"every little helps" its not secured so to be honest theres not a great deal they can do and the main thing is you wont loose your home.Secondly you wont need to check with the courts now because you have a suspended repo order,you would only check if say you came to an agreement before the case went to court.In a few days you will recieve a copy of the order from the court just keep that together with all your other paperwork.F.P,s reps will also have a copy of the judgement so you wont need to do anything,just sit back and enjoy the rest of christmas and the new year,good luck worried6 and once again well done!

[Worried6]

Hi good to hear from you.

I can hardly believe that this court business is over with. I keep lapsing back into worry mode and then have to pinch myself to remind that it has been sorted out. You really don't realise just how this overtakes every waking moment.

The Housing Rights Counsellor helped me prepare the I&E Statement Tescos wanted and this has been sent off. The next DD to Tescos is due about the 1st Jan so I will let that go. If they don't agree to my proposal I will just cancel the DD and send what I can for the next few months.

Thanks again for your help. You hit the nail on the head the court wanted to see that the priority debt was being attended to first and that negotiations were under way to re-structure payments to unsecured debts. The first hearing was adjourned to give me more time to do that. In fact the FP Solicitor as good as said to me that they felt the adjournment was aimed at them as well to encourage agreement before being heard again.

The Judge was not interested in what was being paid to unsecured debt only that I was following advice given.

Tescos were very unhelpful and it remains to be seen whether they will agree to the reduction I am looking for but the Judge was satisfied that this was how things should be done. As soon as she saw evidence of this and my improved offer she made the suspended order without another word. In fact it was done so quickly I had to take a moment to work out what had actually happened!

Phew!

 

W6

[Worried6]

Hi good to hear from you.

I can hardly believe that this court business is over with. I keep lapsing back into worry mode and then have to pinch myself to remind that it has been sorted out. You really don't realise just how this overtakes every waking moment.

The Housing Rights Counsellor helped me prepare the I&E Statement Tescos wanted and this has been sent off. The next DD to Tescos is due about the 1st Jan so I will let that go. If they don't agree to my proposal I will just cancel the DD and send what I can for the next few months.

Thanks again for your help. You hit the nail on the head the court wanted to see that the priority debt was being attended to first and that negotiations were under way to re-structure payments to unsecured debts. The first hearing was adjourned to give me more time to do that. In fact the FP Solicitor as good as said to me that they felt the adjournment was aimed at them as well to encourage agreement before being heard again.

The Judge was not interested in what was being paid to unsecured debt only that I was following advice given.

Tescos were very unhelpful and it remains to be seen whether they will agree to the reduction I am looking for but the Judge was satisfied that this was how things should be done. As soon as she saw evidence of this and my improved offer she made the suspended order without another word. In fact it was done so quickly I had to take a moment to work out what had actually happened!

Phew!

 

W6

[Ell-enn]

Hi there, glad your hearing went in your favour - I told you it would be OK judges don't want to take away people's homes if they are able to make payments towards the arrears. I hope you can now relax over the New Year.

[Ell-enn]

Hi there, glad your hearing went in your favour - I told you it would be OK judges don't want to take away people's homes if they are able to make payments towards the arrears. I hope you can now relax over the New Year.

[Worried6]

Hi Ell-enn

 

I'm glad you had time to come through.

Yes you were right and I am so glad you were.

Thanks to you for the hard work in preparing the Defense Statement and the advice and moral support along the way.

 

Cheers

(Not So) Worried6

[Worried6]

Hi Ell-enn

 

I'm glad you had time to come through.

Yes you were right and I am so glad you were.

Thanks to you for the hard work in preparing the Defense Statement and the advice and moral support along the way.

 

Cheers

(Not So) Worried6