We have financial problems and EVERYONE except GE Money has helped. I have my own IVA with creditors totalling £70K, all interest frozen, reduced mortgage to interest only to reduce payments but will GE Money do anything about our secured loan? Tried to repossess our house last year but we begged money from parents to save our skins. Have asked verbally and in writing to extend term of loan/reduce payments - but NO - they have TERMS AND CONDITIONS!!!! Apparently if we get the payments up to date (About £1,000 in arrears) they will look at helping us. Excuse me? THAT is the problem. We are going into battle. Friends in legal profession tell me that if they try to repossess in our situation when we have asked them to reduce the payments etc will go very badly for them in court. Bit of a gamble, what? But they will be making us and our six (yes really) children homeless! As an aside i wrote to the Nat West last week about extortionate charges for bouncing one solitary cheque - two lots of bouncing then an additional £28 for their charges pushing me overdrawn. Got long letter back about how they don't agree with OFT guidelines and their charges are very fair blah blah, then in the last paragraph they offered to refund me £76 as a gesture of goodwill! Go for it everyone. Enough is enough! Linda

When they say 'without prejudice' it only binds people in the legal profession. Joe public can refer to whatever he wants, he is not breaking the legal equivalent of the hippocratic oath by doing so. I have problem with GE Money also but am starting new thread about it. regards and good luck - they are loan sharks of the highest order Linda