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Pleasehelpme26

old igroup/GE Mortgage - beat GE years ago - now Engage announced they were taking us to court

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Thanks for your response.

I know exactly what you mean. I've finally been able to relax with regard to the mortgage, so I don't want to go down that horrible road again.

I've posted the letter this morning. I've also spoken to the cab, shelter and the law centre.

They all said that GE would have a massive problem justifying any more court action. So we will see.

Thanks for your help :)

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Hi everyone,

Don't faint....Had a call from GE Money today.

They have looked into my complaint and listened in on the previous calls and have apologised to me!!!

So we have done an income and expend and they have accepted the promised half payment at the end of the month. Set for one month only with the court order being reset for the following month. I have obviously requested this in writing.

Surprised very much I must admit!!

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Hi everyone,
Can anyone please offer any advice? 


My family have got into horrendous financial difficulties in the last 3.5 years.

 

My 3 year old son was diagnosed with leukaemia,

I have been his carer and my husband is self employed.

 

Money has been very very tight and we got into serious mortgage arrears.

 

Last September Engage Credit announced they were taking us to court, although we were trying to sort out repayments with the help of Shelter.

All our proposals(as advised by Shelter) were rejected. 


We kept telling Engage we couldn’t increase the contractual mortgage payment to address the arrears until April when our son finally finished his treatment. 


the judge ordered us to pay a sum on top of the CMI starting on 31.12.18.

We were unable to pay it although we have continued making full mortgage payments via direct debit on the day it’s due. 
We had to complete a financial statement last week and submit it to the court.


Life has improved somewhat and we are now in a position to pay the arrears off within the remaining term of the mortgage.

The statement shows this.


We are back in court on Tuesday and I’m scared that the fact we were unable to pay the extra over the last few months will most definitely not be in our favour.


Please can anyone give me any practical advice?
Thanks

 

To add, we worked with Shelter and we were offering the CMI until April and then planning  to address the arrears.

 

The solicitor on duty in court on the day of the hearing told me there’s no way the judge will agree to that.

So i felt helpless and pushed into saying yes to something I was unable to do.

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is this your old GE mortgage one now sold to engage par chance?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Posted (edited)

Hi,

Thanks for responding.

Yes sold on after we went to court, went to Engage about 2 months after

in 2013. 

All was well until my son became very very ill late 2015. 

Edited by Pleasehelpme26

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Talk to your local MP immediately.

Email, phone or weekly surgery. 

Son with Leukemia?

Trying to evict you ?

Unbelievable. 

 

Oh and send a letter to Engage or whoever they are,

 

Notes from consultants, doctors included, treatments , side effects, everything even photo's, telling them you have informed your local MP, the stress is destroying your family.  Please lay off immediately.

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good or bad let us jnow


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Thanks everyone. Done and dusted in 5 minutes.No costs for me either 

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We done an income and expenditure which showed be can pay the arrears over the term of the mortgage.

judge agreed it was fine......also said if we get into difficulties in the future and mortgage company won’t listen,  we should go back to court and he’d do his best to amend it for us. 

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Congratulations!

 

Pure common sense.victory !!  

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