ge money help!

[Ell-enn]

the thing thats making me laugh is that they have put on the letter recieved today to attend the court hearing on the 28th of february when actually the court hearing is on the 25th of february im hoping they have got their dates wrong and dont turn up

 

...now wouldn't that be good:D

[kgrant]

...now wouldn't that be good:D

 

 

 

 

 

 

it would make them look stupid:D and im not going to tell them:D

[kgrant]

...now wouldn't that be good:D

 

 

 

 

 

 

it would make them look stupid:D and im not going to tell them:D

[tonycee]

it would make them look stupid:D and im not going to tell them:D

 

Please dont risk it.

 

Their claim can be heard without their presence, as long as they have put their application in writing.

 

Check the listings with your local court, and be there when you should.

 

Let them worry about the rest.

[tonycee]

it would make them look stupid:D and im not going to tell them:D

 

Please dont risk it.

 

Their claim can be heard without their presence, as long as they have put their application in writing.

 

Check the listings with your local court, and be there when you should.

 

Let them worry about the rest.

[Ell-enn]

Tony is right - go to the hearing on the day and time you have been advised on the documents from the court (ring them next week to check nothing has changed). I know it sounds amusing to think of them turning up on the wrong day, but I certainly wouldn't bet on it.

 

Kind Regards

 

Ell-enn

[Ell-enn]

Tony is right - go to the hearing on the day and time you have been advised on the documents from the court (ring them next week to check nothing has changed). I know it sounds amusing to think of them turning up on the wrong day, but I certainly wouldn't bet on it.

 

Kind Regards

 

Ell-enn

[Goldlady]

Maybe they have deliberately got the date wrong as a double bluff in the hope that you don't turn up on the right day. Wouldn't put it past them:rolleyes:

[Goldlady]

Maybe they have deliberately got the date wrong as a double bluff in the hope that you don't turn up on the right day. Wouldn't put it past them:rolleyes:

[kgrant]

i've just received there solicitors witness statement and that has the right date on it:mad: never mind, the good thing about that was it had the original morgage documents attached and we couldnt remember wether our morgage was fixed for 2 or 3 years luckily its 3 so it doesnt end till next year and thats also when we dont have to pay the early redemption figure no more so it will be perfect time to move or swith companys.

also with fixed rate morgages can they increase your payments if you are in arrears?

[kgrant]

i've just received there solicitors witness statement and that has the right date on it:mad: never mind, the good thing about that was it had the original morgage documents attached and we couldnt remember wether our morgage was fixed for 2 or 3 years luckily its 3 so it doesnt end till next year and thats also when we dont have to pay the early redemption figure no more so it will be perfect time to move or swith companys.

also with fixed rate morgages can they increase your payments if you are in arrears?

[ananya]

I don't think so, Kensington didn't with us.

 

The only increase is what has been ordered by the court to cover the arrears in our own possession hearing, so I would imagine that would be so with you too

[ananya]

I don't think so, Kensington didn't with us.

 

The only increase is what has been ordered by the court to cover the arrears in our own possession hearing, so I would imagine that would be so with you too

[kgrant]

i'm a bit worried we have our court hearing next monday and our payment is due today we made an arrangement to £750 but i only have £700 which is still £210 over our normal monthly instalment im just worried its going to look bad on us

[kgrant]

i'm a bit worried we have our court hearing next monday and our payment is due today we made an arrangement to £750 but i only have £700 which is still £210 over our normal monthly instalment im just worried its going to look bad on us

[kgrant]

just rang ge and paid the £700 , he was a right arrogant pratt , saying that they agreed to go for a suspended possession based on the agreement and now they will have to go for repossession because we broke that agreement and they wont accept another arrangement its that or nothing

[kgrant]

just rang ge and paid the £700 , he was a right arrogant pratt , saying that they agreed to go for a suspended possession based on the agreement and now they will have to go for repossession because we broke that agreement and they wont accept another arrangement its that or nothing

[Ell-enn]

Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

[Ell-enn]

Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

[OLIVE.FAMILY]

Try not to worry to much. You made a payment that was ONLY a little bit short. At least you paid. IF they take action you are the one that looks in this as we all have bad months and you didnt ignore it which is what I would have done a while back.

 

These people are just bullies. My six year old has a saying Bullies arent brave. As long as you continue to make payments IF it goes to reposession then you will be OK. I walked into the court room last week and I hadnt made a payment in a year. I had a expenditure and income list and made a offer that I could always afford that way I can look good most months by paying more and my hard up months I can still pay.

 

At the end of the day as soon as GE take into court they loose all control of what can and cannot be paid. After last week I think it was the best thing that happened to us going to court as we made a realisitic offer not one that was in the spare of the momement because we got scared. (the previous offers had all been offered like this) and it got accepted by the judge. Kensington were the ones that looked foolish as the solicitor said that they would not accept any offers of payment. As long as you can have arrears paid up before the mortgage ends then you will be fine I am sur of it.

 

We are not the criminals here they are.

 

Hope this helps a bit.

 

Olives;)

[OLIVE.FAMILY]

Try not to worry to much. You made a payment that was ONLY a little bit short. At least you paid. IF they take action you are the one that looks in this as we all have bad months and you didnt ignore it which is what I would have done a while back.

 

These people are just bullies. My six year old has a saying Bullies arent brave. As long as you continue to make payments IF it goes to reposession then you will be OK. I walked into the court room last week and I hadnt made a payment in a year. I had a expenditure and income list and made a offer that I could always afford that way I can look good most months by paying more and my hard up months I can still pay.

 

At the end of the day as soon as GE take into court they loose all control of what can and cannot be paid. After last week I think it was the best thing that happened to us going to court as we made a realisitic offer not one that was in the spare of the momement because we got scared. (the previous offers had all been offered like this) and it got accepted by the judge. Kensington were the ones that looked foolish as the solicitor said that they would not accept any offers of payment. As long as you can have arrears paid up before the mortgage ends then you will be fine I am sur of it.

 

We are not the criminals here they are.

 

Hope this helps a bit.

 

Olives;)

[kgrant]

Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

 

 

 

HI how do i go about writing the statement? i wrote to ge telling them that the amount we originally offered was going to be impossible, and offered a lower amount , i also sent an income and expenditure form but this isn,t really accurate, my husband has an attachment of earnings order on his wage for unpaid council tax, which took a bit lump of his wage this month , i was thinking of taking my husbands payslips with me also our tax credits award notice as this has been reduced till april and these have both happened since i filled out the court papers, so our income isnt always the same every month, i would prefer to make an arrangement for an amount i know we can comfortably afford and then if we have a bit extra one month then pay a bit extra , i have kept copies of the letters ge have sent me also a copy of the letter i sent them, we are aiming to get to the court early so we can see the woman from the cab as its almost impossible to see anyone in the actual office. our arrears are about £1400 now so we have paid £500 off them since january, im really worried now though the man at ge was really horrible

[kgrant]

Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

 

 

 

HI how do i go about writing the statement? i wrote to ge telling them that the amount we originally offered was going to be impossible, and offered a lower amount , i also sent an income and expenditure form but this isn,t really accurate, my husband has an attachment of earnings order on his wage for unpaid council tax, which took a bit lump of his wage this month , i was thinking of taking my husbands payslips with me also our tax credits award notice as this has been reduced till april and these have both happened since i filled out the court papers, so our income isnt always the same every month, i would prefer to make an arrangement for an amount i know we can comfortably afford and then if we have a bit extra one month then pay a bit extra , i have kept copies of the letters ge have sent me also a copy of the letter i sent them, we are aiming to get to the court early so we can see the woman from the cab as its almost impossible to see anyone in the actual office. our arrears are about £1400 now so we have paid £500 off them since january, im really worried now though the man at ge was really horrible

[OLIVE.FAMILY]

Please don t worry. I know I am no judge but he will see that £1400 is nothing to these guys. Even if you offered £25 a month the arrears will still be paid in 5years. Like Ell-en says the courts dont like the way these people work. As long a you can show you can afford to pay. They really dont want people to loose there homes..

 

The man at GE is being paid to sound really horrible at the end of the day they are just robots on the end of a phone. He cant make them decisions about going to court it is the people higher than that.

 

PLEASE PLEASE dont worry. Everybody on this forum is here to help you. You are not alone.

[OLIVE.FAMILY]

Please don t worry. I know I am no judge but he will see that £1400 is nothing to these guys. Even if you offered £25 a month the arrears will still be paid in 5years. Like Ell-en says the courts dont like the way these people work. As long a you can show you can afford to pay. They really dont want people to loose there homes..

 

The man at GE is being paid to sound really horrible at the end of the day they are just robots on the end of a phone. He cant make them decisions about going to court it is the people higher than that.

 

PLEASE PLEASE dont worry. Everybody on this forum is here to help you. You are not alone.