Thanks DX

Hi We had a previous thread, please see below regarding the Suspended Possession Order. We have a secured loan with Nemo Finance which has a Suspended Possession Order since 2016 and since the pandemic we were making reduced monthly payments which were all agreed by Nemo. They wanted us to increase the amount and went through an income and expenditure, we explained that we can further increase the amount we were paying for a few more months before we can revert back to paying the full monthly amount set in the court order. They went away to approve it from a manager and was supposed to call us back with whether they were wiling to accept it or not so that we had the option of how to move forward. The manager refused the offer but instead of contacting us first they went and instructed the solicitors and then called us to tell us their decision. We spoke to them and said that they were supposed to contact us first as we had planned to get help from the family if Nemo rejected the offer. They apologised profusely and said they would put a stop to the Possession Order as they agreed for us paying the full monthly amount as set in the order. Recently we have received letters from the court and their solicitors stating the "the Claimant is granted permission to enforce the Possession Order in accordance with CPR83.2 (3) and the Possession Order to remain enforceable for 6 years without the need for the Claimant to seek further permission from the court." We have already made a payment towards the plan that was agreed which is the full requested monthly amount as per the order, so how can this be possible? We would really appreciate any advice on how best to sort this out as the Suspended Order shouldn't have been lifted or changed. Thanks IM4347

Thank you so much Dx I will definitely do the spreadsheet, thank you for the pointers and help with the spreadsheet. Regards IM

Thanks Dx, but I don't have any statements and neither have they provided me with any despite the CPR requests.... there are definitely charges on it as it's over the credit limit. Regards IM

My income & expenditure is done...

For the mediation in the morning, i was thinking of the following approach, reduce the claim amount as it definitely has charges including interest, if they agree to my proposed amount then to do a payment plan and to remove the claim from court. Any advice would be appreciated. Regards, IM

Hi Dx Thanks for getting back to me, appreciate it. I did mention earlier in my thread that I hadn't received hardly any document from them except the few letters on post #58. Your posts #69 & #74 suggested we could still do negotiations in mediation... as to minimise the damage i.e. CCJ plus costs etc. They have clearly failed on both CPR requests too. Regards, IM

Hi DX I haven't received the agreement from them, any documents they sent are attached to post #58. IM

Hi Honeybee No, I will check the link now, thank you IM

Hi all My mediation is on Tuesday morning, any advice would be very helpful. Many thanks IM

Yes Dx, I know exactly what I had ordered and when.... Yes, I want the least amount of damage, so maybe the mediation is the route to go... IM

I can't see no transaction history or full statements just the balance.... Yes it must have late charges/over limit charges added clearly..... as the balance is over the credit limit.... IM

I'll check to see if I can still log on..... IM I can still log on! The last statement it shows is for Aug 2016 but it's just for the outstanding balance same as the claim.... IM

Hi Dx, The above account is about right of how it happened, but it wasn't interest free, it was on regular monthly payments if I remember correctly until I had my miscarriage and things got difficult... IM

Thank you Dx & Andy for replying, I have to let the mediation team know by tomorrow (Tuesday). I understand that they can't expect me to have all the documents to hand as it's not a full on hearing in court, the debt allegedly is £700, if I go ahead with coming to an arrangement then I am in one respect accepting the debt... .. on the other hand if I let the mediation go and go through a full hearing there is that 50:50 chance that they don't continue or I end up with more costs and a ccj... . so confused.. .. this account was only opened in Dec 2015.... IM