Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges

[Pleasehelpme26]

Hello,

Thank you Derwent, that make me feel better.

And also thank to Colly46 for your support. You will be fine I'm sure.

Yes the people on here are totally fabulous, helping unknown others with great advice is humbling. I feel ok actually. I will drop my son off at school on Monday morning and go straight to court. Going to do some Christmassy things with my boys over the weekend and not think about it too much. ( if I can!! ) Hope you all have a lovely weekend xx

[Colly46]

Good for you phm26, as hard as it is, we need to maintain some kind of normality and I too am going to do the christmassy thing today. When I first came onto this site i was petrified and clueless as to what was happening, I now understand the process and realise we cant let these people bully us,and I'm doing everything by the letter that I'm told, and I feel confident things will be ok. I hope one day, I can come on here and give my support and advice to someone in a similar position to myself as others have done for me! Enjoy your weekend guys:grouphug:

[Pleasehelpme26]

Morning all, just had a letter in post from ge. It informed me of my cmi and also that they are charging £57 each month on each account for my monthly fee contribution. It goes on to say it's to assist me and that a one off payment is not necessary and reduces my additional interest payable. They are also not prepared to suspend additional interest and further fees.

Is this correct? Thanks everyone x

[northernbloke]

I don't know whether you'll see this before you go to court, but "good luck"! If you see it after court, may I offer a tentative "well done"!

[Ell-enn]

So are they saying they are taking £57 each month out of every payment you make ??

[Pleasehelpme26]

I don't know whether you'll see this before you go to court, but "good luck"! If you see it after court, may I offer a tentative "well done"!

 

Omg I hope so!! I will let you know as soon as I can. Thanks so much.

[Pleasehelpme26]

So are they saying they are taking £57 each month out of every payment you make ??

 

Hello, yes on each account. So over £100 each month.

[Ell-enn]

You need to be telling the judge that they are taking £57 out of every contractual installment you make, thus keeping you in arrears.

[HTA]

Hi Pleasehelpme26,

 

Good luck, stick with Ell-een she knows best as I am sure you know.

 

Stay calm, relax, take your time and it will all work out in your favour. Try and get some sleep - much needed I bet.

 

Looking forward to your VICTORY announcement tomorrow.

 

Kind regards

 

HTA xxx

 

PS Does Ell-een ever take any time out for herself? She is a Saint.

[Pleasehelpme26]

Ell-enn said:

You need to be telling the judge that they are taking £57 out of every contractual installment you make, thus keeping you in arrears.

 

Many thanks Ell-enn, I will and I really appreciate your help x

 

HTA said:

Hi Pleasehelpme26,

 

Good luck, stick with Ell-een she knows best as I am sure you know.

 

Stay calm, relax, take your time and it will all work out in your favour. Try and get some sleep - much needed I bet.

 

Looking forward to your VICTORY announcement tomorrow.

 

Kind regards

 

HTA xxx

 

PS Does Ell-een ever take any time out for herself? She is a Saint.

 

Thanks so much, I will certainly let you know as soon as I can.

Yes Ell-enn is most definitely a saint!!

12 ish hours to go.........

X

[HTA]

Good Morning Pleasehelpme26,

 

Hope that you had some good sleep last night?

 

Remember, stay calm and focused. You can do this.

 

Perhaps have a cup of tea and review your paperwork to make sure you have everything at hand.

 

Sending you positive energy.

 

All the best

 

HTA xxx

[Colly46]

Ditto that! deep breaths,and think of all the wonderul advice you have been given,cos that will get you through! let us know how it goes!

[Pleasehelpme26]

Thanks everyone for your support. I'm here now and waiting....

[HTA]

Hi again Pleasehelpme26,

 

Remember you are not on your own - we are all here routing for you.

 

Stay positive, focused and calm.

 

Good luck

 

HTA xxx

[Pleasehelpme26]

Not feeling very good now. I've been handed the claimant skeleton heads from GE and it's awful. Their solicitor has said they are very specific and want me out

[HTA]

Hey don't panic.

 

That is just Mr Bully flexing his muscles - too be expected really - BUT - remember Mr Bully is not the Judge!!!

 

Stay as calm as you can - focus on YOUR CASE - try not too worry about Mr Bully - deep breath.

 

Still sending positive energy your way.

 

HTA xxx

[Colly46]

If I have learnt anything from this forum, its ignore the bullies! Stay strong mate! positive energy following behind HTA! xxx

[HTA]

Sounds advice Colly46

 

HTA

[dx100uk]

don't fall for the little chats before hand - all done to put you off your stroke.

 

 

complain about all the PENALTY fees over all the years too.

 

 

 

 

dx

[Pleasehelpme26]

Hello all,

Went ok,

judge was very nice as was GE's solicitor.

 

Sadly though not all over.

 

I have to go back in 2 weeks,

the judge wants to see if we can get any money to bring arrears down at all.

So on it goes....

 

And thanks so so much to all of you for all of your help and support.

 

You are all wonderful xxx

[HTA]

Great News Pleasehelpme26.

 

Think about it - Mr Bully did not get his own way = Great News.

 

Did the Judge say how much would be helpful to raise to bring the arrears down?

 

This is still a RESULT - WELL DONE YOU.

 

Am sure Elleen will have calming and reinsurance about going forward from here.

 

Kind regards

 

HTA xxx

[ukaviator]

Well done for even turning up. Some people are too terrified to go. Have you approached your employer about a loan which can be spread over sometime to pay it back out of your wages?

[Colly46]

Well done you!! I'm so proud, I have been thinking about you all day at work................ keep on truckin mate!

[Pleasehelpme26]

Hello everyone,

 

Thanks so much for all your support and kind words.

 

So the battle goes on....

Ge skeleton points were nasty,

some even bordering on slanderous,

very personal and upsetting.

The solicitor even told me his instructions were very clear..... They want me out!!!!!

 

The judge however didn't take any notice of them.

I was in there an hour!!

 

He is just very concerned at level of arrears and not much to live on after paying each month.

Not sure what percentage of income is advisable to live on.

So eviction was suspended and we have to return in two weeks to see if we can get any off of arrears.

 

Does anyone know if you can draw on a pension for mortgage arrears?

Can't borrow off employer as husband only been there a few weeks.

 

Have decided if we get through this,

we will probably sell early next year,

we have a bit of equity and I'd rather have that than Ge.

 

does anyone have any advice?

 

Also I'm paying the full instalment next week plus a bit off of arrears.

But how do I make sure it goes to my arrears and not £57 to my charges?

 

Thank you x

[HTA]

Hi Pleasehelpme26,

 

Again well done for yesturday - you did real well. Mr Bully hoofed and poofed but he could NOT blow your house down

 

Perhaps it would help you to refresh everyone on the following points so that they don't have to wade back through the threads: -

 

1/ Arrears outstanding

2/ How many years left to run on mortgage

3/ Approx how much equity in the house

4/ What you offered off the arrears yesterday

 

Hopefully you will get some more excellent advice from the knowledgeable, amazing people on here.

 

Regards

 

HTA xxx

Edited November 26, 2013 by HTA
Sausage fingers!