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Response to thought court was last place they wanted to go WRONG!

from pendle (pendle_666@yahoo.co.uk)
If we could pre-empt what the lenders will and won't do with shortfall claims, it would make life easier for all of us!! Unfortunately in your case, your lender has decided to go to Court.

The lender cannot force you into paying anything until they have a court judgement against you. That makes things easier for them.

I would suggest that you prepare yourself for the court hearing. You don't have to go alone, you can bring a "litigation friend" - someone to talk on your behalf if you want to.

Bring all your papers, the letters you have written, the replies etc and also proof of your income, just in case you need it. If you want to know more about what happens in court, then you can get leaflets from your local court about it.

If the lender gets their judgement, then something they can do is get an oral examination. This is where you provide, under oath, details of all your income and outgoings, including insurance policies you may benefit from in the future, inheritances etc etc.

Make sure you put your defence into the court as soon as possible, as you do have a limited time. If you can show that you have tried to co-operate and the lender isn't playing ball, it will all go in your favour.

Good luck

(posted 8167 days ago)

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