GE Money seeking repossession - **WON 3 Times NOW**

[braeworth]

Hi Ell-enn,

 

They do give an authorisation number, so I will make a note of that and the name of the person I am speaking to

[braeworth]

Just received a letter from GE stating that if we pay the arrears in full of around 3300 plus all outstanding charges on the account which amount to over 3000 then they will cancel the eviction.

I didnt think they could ask for the charges.

This whole thing is really starting to get me down

[braeworth]

Just received a letter from GE stating that if we pay the arrears in full of around 3300 plus all outstanding charges on the account which amount to over 3000 then they will cancel the eviction.

I didnt think they could ask for the charges.

This whole thing is really starting to get me down

[Ell-enn]

They can't ask for the charges on top of the arrears. Take a copy of the letter and we will use it with an up to date statement for you to take to court and hand to the judge together with the authorisation number for the payment you are making before the hearing.

 

Please try to stay positive, your arrears are not a great amount compared to lots of cases that go to court and I'm confident the judge will accept your offer.

[Ell-enn]

They can't ask for the charges on top of the arrears. Take a copy of the letter and we will use it with an up to date statement for you to take to court and hand to the judge together with the authorisation number for the payment you are making before the hearing.

 

Please try to stay positive, your arrears are not a great amount compared to lots of cases that go to court and I'm confident the judge will accept your offer.

[braeworth]

Thanks Ell-enn,

I am trying to stay positive, we are able to make payments + arrears, we have my daughter living at home and starting her final school exams after Easter, we have a large amount of equity in the property, the arrears are not large in fact at the time of the hearing they will only be around 2300 but GE know all of this so I dont know what they are playing at, I guess there is always a chance things will go against us and it is this that is really worrying me

[braeworth]

Thanks Ell-enn,

I am trying to stay positive, we are able to make payments + arrears, we have my daughter living at home and starting her final school exams after Easter, we have a large amount of equity in the property, the arrears are not large in fact at the time of the hearing they will only be around 2300 but GE know all of this so I dont know what they are playing at, I guess there is always a chance things will go against us and it is this that is really worrying me

[Ell-enn]

While nothing is ever guaranteed I'm sure you will be OK and I can draft an up to date statement for you to take to the hearing if you'd like me to.

 

I do understand how stressful this situation must be for you but try and concentrate on how relieved you will feel when it's all over and your home is safe. Judges won't take people's homes away when they have an income and can maintain payments going forward. Also, GE haven't done themselves any favours by asking for those charges as well as arrears to stop the eviction - the judge won't like that.

[Ell-enn]

While nothing is ever guaranteed I'm sure you will be OK and I can draft an up to date statement for you to take to the hearing if you'd like me to.

 

I do understand how stressful this situation must be for you but try and concentrate on how relieved you will feel when it's all over and your home is safe. Judges won't take people's homes away when they have an income and can maintain payments going forward. Also, GE haven't done themselves any favours by asking for those charges as well as arrears to stop the eviction - the judge won't like that.

[braeworth]

Thanks Ell-enn, an up to date statement would be great. We really do appreciate your help

[braeworth]

Thanks Ell-enn, an up to date statement would be great. We really do appreciate your help

[Ell-enn]

OK, let us know when you have made the payment and I'll do the statement

[Ell-enn]

OK, let us know when you have made the payment and I'll do the statement

[braeworth]

Thanks Ell-enn,

Will do

[braeworth]

Thanks Ell-enn,

Will do

[maybelline]

very good luck and stand your ground with this lot - i sadly have been here before and am now facing new threat from them, but I say again, stand your ground, they are very upfront about what they want but it is the Judge who will decide NOT THEM, make sure you attend court and say your piece. beware of them taking you to one side and filling your head up with jargond and trying to get you to agree something they want - make sure it gets done IN FRONT of the judge, good luck.

[maybelline]

very good luck and stand your ground with this lot - i sadly have been here before and am now facing new threat from them, but I say again, stand your ground, they are very upfront about what they want but it is the Judge who will decide NOT THEM, make sure you attend court and say your piece. beware of them taking you to one side and filling your head up with jargond and trying to get you to agree something they want - make sure it gets done IN FRONT of the judge, good luck.

[braeworth]

Thanks Maybelline, what did they try to get you to agree to?

[braeworth]

Thanks Maybelline, what did they try to get you to agree to?

[maybelline]

Hiya, long time ago now but if I recall they wanted me to agree a payment schedule that was beyond my means, kept going on about the interest being covered, that was back when I didnt even realise they had front loaded most of the interest, what kind of product it was, how the payments were broken down, they didnt want to enlighten me either cos it was all dodgy - naturally I couldnt see why what I was offering was never enough, I would have had to double up at least! the 'style' of their solicitor was of a bully - I told the clerk and they stopped it. the Judge sorted it out in a much more favourable way for me.

 

you are getting good advice here, stand your ground, and remember GE thrive on customers ignorance, they thrive on the fear of going to court, they are bullies and they push around those who dont know their rights.

 

good luck.

[maybelline]

Hiya, long time ago now but if I recall they wanted me to agree a payment schedule that was beyond my means, kept going on about the interest being covered, that was back when I didnt even realise they had front loaded most of the interest, what kind of product it was, how the payments were broken down, they didnt want to enlighten me either cos it was all dodgy - naturally I couldnt see why what I was offering was never enough, I would have had to double up at least! the 'style' of their solicitor was of a bully - I told the clerk and they stopped it. the Judge sorted it out in a much more favourable way for me.

 

you are getting good advice here, stand your ground, and remember GE thrive on customers ignorance, they thrive on the fear of going to court, they are bullies and they push around those who dont know their rights.

 

good luck.

[braeworth]

Ok thanks Maybelline

[braeworth]

Ok thanks Maybelline

[maybelline]

I believe it is the cheltenham and gloucester v norgan case in the appeal court where a judge allowed 'reasonable term' to be the arrears being repaid over the remainder of the term of the mortgage, so if you had 15 years to go for example, then over that time. do check it out, just google it:)

[maybelline]

I believe it is the cheltenham and gloucester v norgan case in the appeal court where a judge allowed 'reasonable term' to be the arrears being repaid over the remainder of the term of the mortgage, so if you had 15 years to go for example, then over that time. do check it out, just google it:)