OK, thanks again.

Nope, they are going for the whole lot, including the 170% interest on the loan, I have offered to repay what was originally taken not including the interest that is added when you take the loan out, and so far I have not heard from them.

Not to worry, you will be OK. They will more than likely cough up soon. You will more than likely have to do a AQ (costs an extra £100 normally, but you will get this back) and then they settle. Out of all my cases I have done, Abbey were the only one that went to a Court Bundle stage, and they settled on Thursday (that claim was started in June 2006, my longest claim!) Don't worry, and just wait for your money!

Well would you believe it. They have sent the statements and a copy of the original agreements. Fair play to them having this to hand, it did surprise me! Looks like we will have to wait to the County Court date and try and come to an arangement then!

Hello, Yep, start with the SAR, with your £10 fee, this gives them 40 days notice for all of your statements going back 6 years. I would read through the Natwest forum, to get you up to speed, and post your thread on there so people can help and give advice. Good luck

Cheers for your help!

Just had a thought, is it worth emailing instead of calling this Gareth Vowles, as I have no proof on the telephone what he has stated. My Court bundle also has to be in by the 21st Feb 07, so I take it this is why he wants to speak to me?

Hello there, They might be in the post. I did not recieve all of my statements in one go, they came in two batches. If you do not recieve the rest by the 21st February 2007, Halifax have commited an offence by not supplying the statements. I believe it is 40 days from when you requested, and the statements go back to 6 years worth. If you don't get any statements, it would be worth phoning them, advising them that you have only recieved 1 years worth and that if you do not recieve the rest, they have commited an offence, and you will take further action. Do not let them fob you off, work to your timetable not theirs. Hope this helps, and anything else, just ask. Best regards P.S did you send the statutory £10 fee with your SAR request?

Thanks for your advice Zoot. Even though I have made a payment arrangement with GE Money, could the Judge change this, if he believes it is too high? Best regards

Thanks for the help. My point on question 2 was, can they just write to the Court and then get Bailiffs in without coming to a hearing. i.e what would happen if my wife had a serious car accident (god forbid) and we struggled to pay the arrears? I would have no chance advising the Court of the problem. Also, WILL the Court allow a suspended Possesion order on arrears less than 2 months? and while I am thinking about it now, If I pay off all of the arrears, say next month, could I have the suspension order taken off? Thanks for all of your help, it is greatly appreciated.

Had a letter today from Wragg & Co who are representing GE Money. It states (after we have got the letter from GE Money to confirm our arrangement): We are instructed by our client that an agreement has been reached with you for repayments under your mortgage, subject to a suspended possesion order. We will be asking the Court for a suspensed possesion order at the forthcoming possesion hearing. This means that even though an agreement has been reached, the hearing will go ahead. A suspended possesion order is an order for possesion of the mortgaged propoerty but one which cannot and will not be enforced provided that you maintain the agreed repayments and do so on time. However if you fail to do so, our client will be immediately entitled to enforce the order by writing to the courts to fix an apopointment for the county court bailiff to evict you from the property. It is our advice that you still attend the hearing to confirm to the District Judge the agreement that has been reached with our client. However if you default on the arrangemnt prior to the hearing, our cleint may instruct us instead to ask the court for possesion of your property. If you have any queries about the terms and effect of a suspended possesion order, you should seek independant legal advice as soon as possible. Some questions I have: 1. Should the Hearing be adjourned, and not suspended? 2. Can the Mortgage company 'fix an appointment (great use of language there!) for the County Court Bailiff to evict us from the property' without us attending a hearing for our reasons, and them doing this by writing? 3. Isnt it an abuse of the Court system to still go to the Hearing, as we will probably be paying the Soliciters fees and not the mortgage company, even though an agreement is now in place? 4. I feel like I am still going to get bullied in the Hearing! I look forward to some help and advice please. Best regards

Well just to update you all. I made an offer to GE Money (including a letter to Eversheds) on the 31st Jan 07, to settle for £1300. I gave them till the 12th Feb 07 to respond, but heard nothing. I have today recieved a letter from a Gareth Vowles from Eversheds, who has stated in his letter: Thank you for your letter dated 31st Jan 07. I would be grateful if you could telephone me to discuss. Then he gives his direct (0845) number. Anyone heard of him and his bag of tricks, and what is the best next step. Open to advice please.

No probs.

Yep, I have been in Court with Judge Brown, and he is a very fair judge. I got the impression he is not impressed with Soliciters/Barristers with the way he spoke to them! see my thread 'me v GE Money (formally i group)!

Bristols alright now, when I was growing up there it was a sh*t hole and a backwater, but they have done a grand job on the place, just a shame so many outsiders have moved in there and put the house prices way over the top, and locals can't get on the property ladder. (my family still live down there)

I have lived all over the country, settled down here in North Shropshire. The kids and wife love it here. Its quiet/rural/friendly.

where abouts in sunny Shropshire are you?

Its true!!, they all sit in porches with moonshine giggling to themselves......were not that bad in Bristol..I think?

Bristol lad in the middle of nowhere, near Wem (Salop), and trust me this is banjo country...ever seen the film 'Wrong turn' well you have the idea!

I have just checked on the wifes OnLine finance statement that they sent, and there are no charges on their at all. Would someone know what their charges were back in 2002/2003? Thanks for your help and sorry for hijacking this thread, but it is an interesting one. and congratulations on your win!

Thanks for all of the advice, there is certainly a hatred for GE Money, and it makes you wonder how they can treat customers (valued customers at that, think how much money they make from us, rather than a High street lender) like this. The FSA/Trading Standards/Council of Mortgage Lenders/Financial Ombudsman etc etc must be able to get involved here. They are not looking after their customers, period. Their are guidelines they have to follow, and they are not. i.e taking you to Court for repossesion on 2 or even in my case 1 months worth of arrears. Providing a debt counsellor, and not heeding any advice they give, i.e they phone GE Money to explain the situation to whatever person he reports to and they say 'tell them to sell their car/borrow money from family/SELL THE HOUSE!', how does this help. Why can't they put the arrears onto the term of the mortgage, like what the do for on the 'fee balance'. If we could find one example of GE Money adding arrears to a term of a mortgage, either through Court or a decision they make, surely that would be enough, and it would also prove that this can be done. Something has to be done, christ at least Dick Turpin wore a mask! Lets go and get them!

Thanks for the advice, its appreciated. Well ironically today, Abbey have settled for £900, so at the mo, don't know what to do (got other bills to pay as well). I might go along with the payment plan, they gave us standing order details (at last) so we can pay online, when we have spare cash. I am still awaiting my work to see if they can do me a loan. It will be interesting if my Pre-lim for charges will work now, as they have not actually added this onto the mortgage as such, now I see that we have not paid it.

I have got my head around this fee balance malarky. All payments that I have made are for the interest on the mortgage. All the charges, Soliciter fee's/debt counselling, additional interest, are (I believe) on a different statement. So when I phone to pay the arrears, that's what I am doing, I have not made any payment againts the 'fee balance'. Anyway, I have phoned GE Money regarding the arrangement, and they have stated that they have accepted my proposal. But it gets better! They then state that the first date to make the new payments is MONDAY! I stated that I have not recieved a letter from them to say they have agreed to this. He said that the letter was sent today, and I would get it tomorrow! So they have agreed to start the new payments on the 2nd of the month, now after I stated that I have no money, and that they have not given me sufficent notice. They did state however, that if we miss or not pay enough now on the 2nd of the month that they will then apply for 'Absolute Possesion' of the house. So my question is, can they do this, even if there is a situation out of my control? I phoned the Court about an 'Absolute Possesion' and they had never heard of this? Look forward to any views

Hello again, this is a letter that I have recieved from GE Money today: Following a review of your account, your monthly instalment has increased to £1010.03 with effect from 19th March 2007. We have made this change to include repayment of your fee balance of £1535.83. Should all payments be recieved, these fees will be repaid over the remaining term of your loan. Please note: The above revised amount does not include any amounts to clear arrears. You currently have an arrangement in place to pay an agreed amount each month, to cover your monthly instalement and an amount towards your arrears. Due to the increase in your monthly instalement to ensure fees and additional interest are repaid within the mortgage term, the amount to reduce the arrears will now be less than originally agreed. Therefore the arrears will not be cleared within the timescale agreed and additional interest will be charged. You must contact by return us to review this arrangement to ensure that the arrears are cleared within the original timescale agreed. What I don't understand is the £1535.83 comes from. My arrears are £1465.00 including fees and additional interest. This seems to happen every 4 or 5 months where they say we owe them £1000 odd in fees and interest and that this will be added to the loan etc etc. Considering 18 months ago our monthly payments were £998.69, it just seems to be going up with this 'fee balance' (what is a fee balance, as I have paid fees on all of the arrears/monthly payments) Are they agreeing to our monthly instalements that we proposed?, Should we not get this in writing from them that they agree to this amount for the next 8/9 months? Why can't the include the arrears into the term of the mortgage, like this 'fee balance'? (could I , if I go to Court, mention this to the judge?) I also now take it, that they are still going to charge us the £40 every month for being in arrears on top of the mortgage payment and the additional payments we are making? Look forward to any help, and what response that I can give them, because I am not discussing this over the phone with them, better by writing I think!

I feel for you Linda, that's why I don't phone them anymore, theres no point, read my post above when they state 'In a telephone conversation on the 6.2.7 you advised that the arrears of currently £1475.68 would be cleared prior to the Court Hearing scheduled for the 8.3.7. I never advised them of that! Anyway, I am still awaiting a response from them