Kerry1274 v Blemain Finance Repossesion Order

[kerry1274]

I recieved a repossesion order in the post yesterday morning apparently posted on 2/2 I'm due in court on 13/3. Looking for any advise. Feeling very nervous about the whole thing :-(

[WendyB]

Re: Blemain Finance

Kerry, best thing to do is to start your own thread in the mortgages forum, put in as much info as you can and we'll see what we can do to help.

Wendy x

[kerry1274]

Re: Blemain Finance

Thanks Wendy I will do. x

[Paule]

Re: Kerry - Repossesion Order

Kerry, I have set up this thread for you

PKea

[Amy]

Re: Kerry1274 v Blemain Finance Repossesion Order

Kerry, how much do you owe?

Do you already have a suspended order in place?

[kerry1274]

Blemain Finance

Yesterday morning I received a reposession order from Blemain Finance. I admit that I defaulted for 4 months from September to December because they wouldn't answer any of my letters or phone calls and kept being sent blank DD forms without being told how much they would take out. I finally got through to someone who was reasonable in January who told me that I could go into Nat West and pay straight into their account which I did and again this month. They just don't seem to want to help you give them the payments.

[kerry1274]

Re: Kerry1274 v Blemain Finance Repossesion Order

I'm not sure what a suspended order is. I'm in arrears by £1879. I offered to pay this off on top of paying my loan but they refused.

[Amy]

Re: Kerry1274 v Blemain Finance Repossesion Order

A suspended order is generally what you will receive from the court when you first get into trouble with the mortgage company, providing you can show you can pay something towards the arrears and stick to that plan.

How long has it been since you paid the mortgage and can you afford to make an offer to repay the arrears?

[kerry1274]

Re: Kerry1274 v Blemain Finance Repossesion Order

I've been paying again since last month and want to make an offer of £150 per month off of the arrears as well as paying the normal loan. I forgot to mention that I'm a loan parent working and on FTC incase it makes a difference.
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ps my main mortgage is with another company wouldn't they have a say in all of this?

[Amy]

Re: Kerry1274 v Blemain Finance Repossesion Order

That is excellent if you can do that. Have you spoken to the lender about this proposal?

[kerry1274]

Re: Kerry1274 v Blemain Finance Repossesion Order

Not since I got the order....CAB advised me not to. Do you think I can stop this by calling them now??

[Amy]

Re: Kerry1274 v Blemain Finance Repossesion Order

It might not work, but it has to be worth a shot.

[kerry1274]

Re: Kerry1274 v Blemain Finance Repossesion Order

Ok I'll give it a try and let you know.

[kerry1274]

Re: Kerry1274 v Blemain Finance Repossesion Order

Ok spoke to Blemain and got put through to Monach Recoveries. They refused the payments saying that they don't think I can afford the payments (you'd think that could be my problem) but they have said that they will except a credit card payment for the full amount of the arrears and March's payment, this will then cancel all court proceedings. The interesting thing is that I asked for this in writting and they refused saying that they don't do it incase I try to use it in court at a later date?!?!?!?! I am a little worried now that I'll make this payment and they'll take me to court anyway as I only have the recorded phone call as proof I've paid. I'd just have to rely on the fact that the credit card company would have records of the payment.

[Amy]

Re: Kerry1274 v Blemain Finance Repossesion Order

Type the conversation up while it's still fresh in your mind and then attend the hearing and show the Judge all your paperwork, backed up with your written offer of payment.