Desperate!! Urgent help needed please!! Completing statement on N244 form. Please help!

[jast]

Hi there , second time i've done this as somehow I cant find my other thread, so hope this works.

 

If anyone could help me completing my statement on the N244 form.

 

I have an eviction notice/ warrant of possession on 13th Jan and need to get this form in by Fri latest to try and get eviction stopped by next week.

 

I am wondering do you keep it short and sweet or should I go into great detail of how the last time I went to court

 

the judge ruled at 450 per month and when I used to phone them GE MONEY they wouldn't except payment and wanted 600 PM instead.

 

This resulted in me paying off other debts.

 

My loan was for 22'000 in 2007 after having a previous loan with them for 11'522.50 (this includes ppi 1522.50, which I am asking for back)

and being encouraged to consolidate to get a bigger load ( I opted out for ppi on second loan).

 

To cut a long story short over the next few years GE money didn't write to me

and then a year later bombarded me with around twenty missed calls throughout the day,

payments were irratic, sometimes missing couple of months but then always trying to give lump sums to cover the missed payments.

 

I have had several agreements in place,

in june 2011 was set at 900 pm to which i paid on time for 5 months but then christmas came and couldnt afford it.

I have problems with car breaking down on me, loss of 2nd and 3rd jobs ( bar work, sandwhich shop),

son going to uni and getting kicked out of flat

- resulting in him needing deposit for somewhere else to live, loss of tax credits and so on.. there is more.

 

Due to this situation I have now begged my managers for more hrs and have achieved this giving me a wage of 1400 instead of 900.

I also have small income from job at sandwhich shop and bar work two nights per week.

And now my parents and son know my situation,

my son is now going to stay with his grandparents when he's home and I am renting his room out at 70 PW to a friend., which will help with my outgoings to my mortgage.

 

I have paid over 17'000 over the years but with agent costs at 90 pound a go,

as well as interest charges GE are now saying I owe 36'000.

I have 14months left on the loan and have just paid them 3000 through my internet banking.

 

Will probably have another couple of hundred before i go to court.

 

if I get the form in on Fri, I am hoping to have a court.

There is prob equity in my home of about 10'000 after my mortgage so that is all GE may get.

 

Are all these points worth mentioning on my statement to the judge?

 

Also what type of judge will I need?

 

Please please any information is much appreciated. Ive not stopped wretching all week.

Edited May 22, 2013 by maroondevo52
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[Scots1]

So sorry to hear you are going through this, hopefully some one will be along to help you soonx

[jast]

Thankyou very frightened and feel very stupid. ive lived in the property for over 20 years and now have a grandaughter to the addition. Really don't want to loose my home. thankyou sooo much for your concern

[Desperate Daniella]

Hi jast,

 

I've hit the triangle to get help for you.

 

Probably won't be until some time tomorrow, so hang on, and you'll get advice tomorrow.

 

DDx

[dx100uk]

not something for now

but have you ever SAr'd GE money?

 

to get all the statements

 

ge money are very good at adding all manner of penalty charges & fees for everything.

 

that can be reclaimed at THEIR int rate

same as that PPI you mention

 

dx

[Ell-enn]

Hi there, I'm at work at the moment so my time is limited - can you have a look at my guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession you will see examples of how to fill in the N244 and budget sheet (they can both be downloaded from the second post in the link). There are also examples of how to set out a statement to go with Q.10 of the form - the pages you need to read in the guide are are 6, 11,12, 14-16.

 

I will check back later to see if how you are getting on.

[jast]

Thankyou soo much DD and will have a look , it will be worth looking into DX but also thanks.

To Ell-enn thankyou to you too. I have found alot of information on this site from when you have helped others so thanks alot for that. I have downloaded the examples and going to put it together now ( been in work all day today) .I feel I should bullet point some of the things as I think he or she should be aware how GE operate. Thankyou everyone for your help. Going to start the statement now. X

[jast]

Just finished the statement. Is it possible someone can privately look at this for me please? Just starting on my income and expenditure.

[Ell-enn]

Hi, you can email it to me at [email protected] (there's no space between the c and o, the site just shows it like that for some reason)

[dx100uk]

to stop harvesting programs leading to you getting spammed

 

dx

[jast]

Having real trouble sending an e-mail to that address Ell-enn. I'm sending from a hotmail account.

[jast]

Hopefully its just sent. everythings crossed

[Ell-enn]

Hi, got your email and responded - you need to read the guide I gave you the link to in Post 6 and complete the budget sheet that you can download from the second post in the linked thread. Let me know when you have done that.