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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

 

cheers thats good to know , i know the one at our local court is supposed to be good , one of my reletives works at the court and knows her and said she is good.

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

 

cheers thats good to know , i know the one at our local court is supposed to be good , one of my reletives works at the court and knows her and said she is good.

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The lady who spoke for us at Birmingham was lovely and knew the right things to say at the right time. It saved either me or hubby getting tongue tied and messing it all up :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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The lady who spoke for us at Birmingham was lovely and knew the right things to say at the right time. It saved either me or hubby getting tongue tied and messing it all up :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi guys my first time on this forum. I wanted to ask you guys a question i hope you can help? i have quite a lot of debt mostly unsecured and i have made arrangements with pretty much all my creditors. But i find that after doing that i have no money left. So because of this i decided to put my flat up for sale last year in order to reduce my debts of which obviously ones mortgage is the greatest. i pretty much picked the wrong time as every offer i have had as dropped out and the price has dropped everytime. (staruing at £390k down to £345k!!!). i have found a buyer we were days from exchanging.

i have 2 charges on my house one is wellcome finace and the other is a unsecured loan with RBS that was changed. now in order to sell the flat alll charges have to be removed. i owe the 3rd charge 20k and they have agreed to take the charge off for 4k from the sale and a monthly payment of £340.

But Wellcome who i owe 14k have declined my offer of 7k from sale and carrying on making my original payments of £340.

i'm livid with this because i have told them that for sure i will get repossessed because i can no longer afford to pay my mortgage i already have arrears of about £5k. it seems to me that they are purposely pushing me into repossession. i have tried to be responsible and these guys are actually going to push me into having more debt. is this right ???? and i want to sue them in the event that i get repossessed. surely wellcome have to be responsible in wielding the power of their charge on my flat.???

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hi guys my first time on this forum. I wanted to ask you guys a question i hope you can help? i have quite a lot of debt mostly unsecured and i have made arrangements with pretty much all my creditors. But i find that after doing that i have no money left. So because of this i decided to put my flat up for sale last year in order to reduce my debts of which obviously ones mortgage is the greatest. i pretty much picked the wrong time as every offer i have had as dropped out and the price has dropped everytime. (staruing at £390k down to £345k!!!). i have found a buyer we were days from exchanging.

i have 2 charges on my house one is wellcome finace and the other is a unsecured loan with RBS that was changed. now in order to sell the flat alll charges have to be removed. i owe the 3rd charge 20k and they have agreed to take the charge off for 4k from the sale and a monthly payment of £340.

But Wellcome who i owe 14k have declined my offer of 7k from sale and carrying on making my original payments of £340.

i'm livid with this because i have told them that for sure i will get repossessed because i can no longer afford to pay my mortgage i already have arrears of about £5k. it seems to me that they are purposely pushing me into repossession. i have tried to be responsible and these guys are actually going to push me into having more debt. is this right ???? and i want to sue them in the event that i get repossessed. surely wellcome have to be responsible in wielding the power of their charge on my flat.???

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Difficult to know what to do I supose you can threaten them that if they do not accept you will not sell your flat and go and complain the the FSA and they will be liable for the costs that ar incurred by you as a result of them not helping when others have sorry cant be more help

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Difficult to know what to do I supose you can threaten them that if they do not accept you will not sell your flat and go and complain the the FSA and they will be liable for the costs that ar incurred by you as a result of them not helping when others have sorry cant be more help

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Hi mandingo69 and welcome to CAG.

 

It would be much better if you could start your own thread and post all the details there, as you've sort of hijacked another thread :D

 

More people will see your thread then too.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi mandingo69 and welcome to CAG.

 

It would be much better if you could start your own thread and post all the details there, as you've sort of hijacked another thread :D

 

More people will see your thread then too.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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well i received a response from GE money this morning basically saying that they agreed to seek a suspended possession order based upon payments of £265.18 in addition to our monthly payment and that is what they will be stating at the court hearing, and told us to to provide the district judge with your income and expenditure and alternative propsals

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well i received a response from GE money this morning basically saying that they agreed to seek a suspended possession order based upon payments of £265.18 in addition to our monthly payment and that is what they will be stating at the court hearing, and told us to to provide the district judge with your income and expenditure and alternative propsals

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Hi kgrant

 

Have just come out of our reposession hearing today. Like everybody else has said as long as you can show the judge all will be paid before the secured debt ends then they are fine with that. It really isnt all that scarry (although i was petrified when i went in). I ended up going in by myself as hubby had to look after kids the judge was great. He stopped me from saying to much and asked the right questions. we are with Kensington and they are not nice. The solicitor who was there for them had instructions to accept no offer they want the house. The judge saw through this and it went against Kensington.

 

we owe nearly £7000 and have offered £100 a month and it was accepted by the Judge.

 

Dont panic. Everybody is here for you. I wasnt in that court room on my own as I had everybody from this forum with me. You will too.

 

Hope this helps

 

Regards

Olives

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Hi kgrant

 

Have just come out of our reposession hearing today. Like everybody else has said as long as you can show the judge all will be paid before the secured debt ends then they are fine with that. It really isnt all that scarry (although i was petrified when i went in). I ended up going in by myself as hubby had to look after kids the judge was great. He stopped me from saying to much and asked the right questions. we are with Kensington and they are not nice. The solicitor who was there for them had instructions to accept no offer they want the house. The judge saw through this and it went against Kensington.

 

we owe nearly £7000 and have offered £100 a month and it was accepted by the Judge.

 

Dont panic. Everybody is here for you. I wasnt in that court room on my own as I had everybody from this forum with me. You will too.

 

Hope this helps

 

Regards

Olives

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thanks for that our arrears after tomorrow will be about £1388 , 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 :D

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thanks for that our arrears after tomorrow will be about £1388 , 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 :D

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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 :D

 

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

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