The original charge is in favour of Progressive Finance 

A deed of variation was made in April 2018 to add Coast Finance Solutions S.A.R.L

I don’t know. Can you tell me how I find this out please?

It was before they went into administration. It has to be 2009/2010.

Like many others we fell into the welcome trap back in 2005!

We took a secured loan for £10,000 and increased it a few months later.

We dutifully made payments we couldn’t afford for some time and think we received a PPI refund off the balance around 2009. By this point we had stopped paying them we just couldn’t afford it.

Just over 2 years ago Coast started writing to us. I spoke to them initially and said we were going through a bereavement as my father in law had just passed away and they said ok we will put account on hold

they actually called me at the funeral when I told them not to contact us until after that date due to everything going on!!! They did send us a £50 apology and letter.

We get 2 letters each every month telling us the same thing each time and I am wondering what will happen next.

Does the 12 year statute bar rule apply to these accounts?

Are they likely to take us to court?

I read the letters and check nothing new is added and then bin them but it’s at the stage I think I need to address them as if necessary could find a way to pay them.

The sum they are chasing us for is just over £2900 which I suspect is mainly charges etc 

Ok I will do that once current issue is sorted. My payment arrears are as of now £183.47 if that helps at a all.

I am desperately in need of some advice please.

Several years ago Acenden got a suspended possession order

. I successfully paid the arrears and they were clear until last year when my world started crumbling down.

On 30 October I got home to a letter from their solicitors telling me the order was being reinstated due to arrears of £2600 approx. This is just over 4 months worth of payments.

I called and was told unless arrears cleared in full there was nothing that could be done

. In desperation I spoke to a family member and they loaned me 2000 and I had just over 300.

After lots of negotiation Acenden agreed to accept the payment and stop the eviction proceedings.

I received letters of confirmation of this from both Acenden and their solicitors all dated 31 October.

On Friday I got home to a hand delivered letter dated 1st November informing me the eviction would take place on 21 November at 11am and yesterday the same letters arrived by post and these are postmarked 9 November.

I am so scared can they evict us even with all the written confirmation I have.

Also my mum bless her has offered to give me the rest of the money to clear the arrears but I don't want to take it if they can still evict me as there are also charges on the account of nearly £3000.

I plan to call the solicitors and the courts in the morning but not sure what to say.

Any advice please would be greatfully received