Another Surrey Family saved from House Reposession in less than a week

Its very rewarding to be able to write this. If you refer to my blog post about the live case of the Surrey Family facing Repossession you will see we have reached today Day 7 and the Court Hearing where successfully the Eviction Warrant hanging over this family was lifted by the court because of the actions taken by the client with some help and assistance from my self personally.

Today, we got more than we bargained for, they lifted the Eviction Warrant
on my clients meaning that as the final payment transfers next week the Couple and their Children can sleep at night knowing that the Bailiffs have been adverted at the last moment

Please if you are reading this and you think and feel your situation is hopeless then please in the words of        Winston Churchill 

Never never never give up .....

Help is  here and is available 

I don't know your story or where you need the help but i am willing to listen and willing to get the help.
This family came to me 1 week ago today and 1 week later a real monkey has been lifted from their shoulders.

So please call me.

Paul Stacey
Principal The Green Shoots of Recovery
for Personal and Business Recovery
Remember every days counts so don't delay
Tel paulstacey88@gmail.com

or paulstacey@finance-solutions.freeserve.co.uk
Tel 01306 881399
Mobile 07710-854040

The Green Shoots Mentoring Programme

Its not rocket science after all. People who are facing similar experiences in their own back yards, gardens for the English version, can help others in the same experience better than we can as professionals, because they have real empathy and understanding.

Now, I am not saying as a professional helping people with debt distres problems I dont have empathy or understanding, not at all what I am saying is that I only have it to a degree, fortunately I havent experienced the pain or anguish of being threatened with eviction, due to mortgage arrears or un paid rent, but some of my clients have.

Therefore, they are well placed if willing to talk to others locally in the same situation thereby creating a self help targeted programme giving at least moral support, but perhaps also usefull advice themselves based on experience, especially where people face denial that this cant be happening to them

Currently I am writing a story of a couple right now facing these problems, follow the progress of their story as it unfolds good and bad.

If you are facing similar problems or need help with finances
call me Paul Stacey Mobile 07710-854040
paulstacey@finance-solutions.freeserve.co.uk
Details about me and Green Shoots are listed on the Green Shoots page

The Brown Shoots of Non Recovery

Perhaps this should be entitled the Brown Shoots of Non Recovery

This is a superb article about Gordon Browns mismanagment of our economy and a sound reason why it would be a big mistake for him to not only be considered for the top job but in my opinion any role in the IMF

Surely it would be like letting a kid loose with your life savings in a sweet shop wouldnt it?

The article taken from a Mortgage Magazine indicates the following view point

When economic historians review the last 20 years they will condemn Gordon Brown as one of the worst Chancellors (and Prime Ministers) we ever had.

How can any coherent case can be made for him to be considered as the new head of the International Monetary Fund in the wake of the departure of the disgraced Dominique Strauss-Kahn.

It then talks about 5 sound reasons in my opionion as to why appointing Mr Brown would be a grave mistake with dire consequences.

Here are 5 suggestions that offer five outstanding reasons why history might judge his handling of the economy so harshly.

From the moment he took office he set about destroying our pensions system with new taxes. We are left with a legacy of a mammoth pensions funding crisis.

He presided over an unsustainable consumer credit boom despite the constant warnings of economists.

The system of regulation he put in place was bureaucratic, expensive but, ultimately, ineffectual and we are still clearing up the mess. Just look at the millions of PPI policies it allowed to be mis-sold. And don't even start on the mortgage market, the investment banks, the derivatives market.

When the out-of-control banks hit a brick wall he threw public money at them but with no conditions attached, no public control and not a clue about what an exit strategy would look like.

He is praised for his prompt response to the banking/credit crisis but actually he just laid the foundations for the next crisis by pushing billions into the economy through quantitative easing, again without any control. Now our money is, among other things, creating a boom in commodities speculation which is pushing up inflation so that ordinary people end up paying twice to bail out the banks. And still the banks are not lending to decent, well-run businesses.

That will do for starters.

I totally agree with these five points i could go on and list another 5 but the above are sound enough for me.

The writers final viewpoint is that

If the great early 20th century economist J M Keynes were alive I have little doubt that these would form the first five chapters of a searing condemnation of Gordon Brown's record entitled The Economic Consequences of Mr Brown.

In essence I would summarise further and say that Mrs Browns 13 Years in his Role of Chancellor and Prime Minister has derailed the British economy to such an extent it may be have to wait for our granchildren to rebuild it

Please add your thoughts comments

The Big Society in Action but not in the local Council

The Big Society In Action but not in the local Council
The Big Society in Action


On the theme of recovering people, I have another case of debt distress involving Council Tax with the local authority and the Bailiffs with whom the local council have every confidence unfortunately I don’t share their enthusiasm and rightly so.


My customer complained that the said Bailiffs used by the council to recover council tax arrears where operating a rather shoddy practice of not turning up when agreed and my client was losing income taking time off from work.


In a discussion with my local council Recovery Department I put this point to them only to be told they were very good no real problems with them after relaying the above information to the official.


Then I pointed out that the bill, red letter from the bailiffs, demand for payment didn’t have an adequate breakdown of the total figure, so we couldn’t establish if this was correct or not. Again it was pointed out the excellent bailiffs, had delivered good service to the council, it struck me that perhaps with their Rose tinted specs, they didn’t want to hear the bad critical news I had to offer for my client to them.


Then I explained the breakdown didn’t allow the customer to check the amount of the demand payment and couldn’t ascertain it was correct, surprise again that I should even think it to be wrong


After a few minutes deliberation council official rings Bailiffs office to find bill for £500 is only overstated by £200, the same efficient careful considerate Bailiffs in question i had dared to question were not as good as the Council would like to believe and perhaps my clients points were valid.


My point is are these players in David Cameron’s Big Society or rather do they suffer from the delusion of their own genius and value that allows their Ceo to collect a salary of at least twice the Prime Ministers. Perhaps David Cameron would be advised to take a good look at our local Councils value propositions for tax payers and efficiencies and general flexibility to learn from admit mistakes willingness and ability to correct and put things right, especially when it involves sorting out inefficient third party suppliers. They need to scrap the need to hide behind bureaucracy and that’s the way we have always done it that’s the people we have always used. It seems to cloud one’s ability to listen and to see the obvious...


Please comment


If you want help with Financial Distress Debt Problems give me a try

paulstacey88@gmail.com

Qualified Adviser Director of Financial Services Company PAS Financial and Mortgage Solutions Ltd.

Author Creator of the-green -shoots -of-recovery RECOVERY CONCEPT
Telephone 01306 881399, mobile 07710-854040

A Real live Case, Real Couple in Debt Distress Facing Reposession soon in Modern day Britain in leafy Surrey Day 1

 A  Day by Day Account of a real distressed Surrey Family


They came to me for help using all I had available and with prayer cover the impossible quickly became the possible.

For a bit of Advertising they received help  from The Green Shoots of Recovery, which is me the writer of this piece, but its their story.

Only after facing the reality that time is running out and homelessness is the reality and price for failure at this stage, isn't worthy of consideration, this is when help can begin you see i said you must give me 100% of your help and focus while i seek to give 110% because this is serious

 

Okay to protect the identity of this Surrey Family I will call them Mr and Mrs ,
  (assumed names not their real ones.
The bottom line issue, is Mortgage Arrears and facing Eviction Repossession for Mortgage Arrears of over £6,000.

Sadly this is becoming all to common and don't believe the nonsense when they say a lender doesn't want to evict you and sell your property. Take it from me when they want their money back they couldn't give a ......for you or your family

As a first step in using my 3RS approach, (Called Logic)

Resolve

Repair

Right Track forward

 

 

DAY 1 The Impossible.

 

I have met up with Mr, at his home Mrs is still yet to be told of the problem,the family is facing I have therefore suggested that Mr, tells Mrs, the whole story the bad news as part of the healing process and stopping the aftermath of the blame game whose fault is it???

The diagnosis and the interrogation isn't going to get hold of the problem or the solution for that matter. I know to have any chance to help them I have to get them on board with me fully engaged quickly as I need them to give this problem 110% effort to avert the current course of homelessness...

 

So I quickly explain as a Christian I feel the need to pray for wisdom and guidance to help this situation right now and Mr accepts and listens.

 

I pray with Mr, today for wisdom, then I go to work first the lender who is frankly very un helpful in the first instance and therefore needs me to call the solicitors to discuss the eviction order awaiting my clients.

They agree to speak to the lender and promise to come back to me with the relevant information, the basic mathematics how much is owed in total why the heavy handed approach and so forth. They are receptive and helpful and co operative but like most solicitors sadly lacking in the follow up they forget to phone back. However perhaps I can forgive them within 15 minutes a call comes back from a more senior and help full gentleman from the Mortgage Lender.

 

On behalf and speaking for the client I advise that I am a qualified Mortgage Broker for my sins but also recovery expert, here to help the client and lender reach agreement and we seek to negotiate a settlement for half an hour on the phone.

 

One hour later we have arrived at a proposal for a £1500 payment lump sum against the £6000 plus arrears and a payment of the current mortgage in July 2011. This is progress believe me my client is in my opinion at his toughest point, right now its his toughest ever evening assignment for homework.

 Here is why

•  He is advised by me to tell his wife the bad news to be honest. 
•  He has to seek family friends help begging letters etc to get his £1500 lump sum together. 

This is because it gives friends family chance to help, say no if they have to but at least if he lost his house he can look them in the eye in the future knowing he had faced up to his situation and given his friends the chance to assist and not having a conversation in a pub with one of his mates saying I would have lent you £100 if only you had told me.

 

Despite the lender wanting and saying they would help assist they still want to hold the eviction action in place through the solicitors and so in response, we advise just in case like them we will hold onto the security of a court hearing court hearing to try to stop the eviction going ahead as a final back up plan.

 

2 Hours later I am pleased with the small progress and the honesty of the situation and my customer says he feels a bit better slightly, lighter that's great news these are his darkest days he will see that shortly prayerfully. Tonight will be his toughest and by getting him to face and deal with the small issues under guidance he will restore his confidence in his ability to reach a resolution and conclusion and regain the initiative.

 

Most importantly as there is over £100,000 of potential equity in the property very important the family retains total control of future potential sale of the property not a third party.

When Mr goes to sleep eventually tonight he can know help will be available to him

 

This is paramount and key in this situation knowing you are not alone....

 

If you are facing difficult Financial decisions and potential loss of Home Car, don't delay get immediate help.

 

The Green Shoots of Recovery
paulstacey88@gmail.com

 

Day 2 Got to get a Court Hearing

Tomorrow is going to be a court visit lodging a £35 form to seek a hearing in front of a judge back up plan whilst the lender holds theirs in place only fair really.

 

Okay here we are day 2 a visit to the court and a £40 fee, inflation its just increased form £35, has just been paid an a court hearing has been arranged a safety net to counteract the lenders reluctance to life an eviction order. As for telling his wife Mr still has to tell Mrs the bad news. To help out i have asked one of my current clients who has just gone through this stage having to ask over 17 people in order to raise £5,500 around the world and succeeding in his task to call Mr and offer some words and comfort and empathy as he is still in this situation of potentially loosing his house

 

For me the idea that Green shoots could actually provide a self help mentoring type arrangement, where real people in distress can help assist and advise other real people in distress is just starting to become apparent.
This is really exciting and is convincing me whats lacking in Britain is a mentoring self help mechanism for people in this situation, where people who relate to each others distress can exchange ideas help but the stronger life and help the weaker.

 

Having someone facing the same as you who is facing it dealing with it and gradually helping to lift up his fellow man is fantastic....

 

So help me, keep watching, keep hoping and praying for this family I am even more determined to get a positive outcome for this family.

 

If you are in debt distress maybe you are not in a position of losing your house or car but have real debt problems then e mail me
paulstacey@finance-solutions.freeserve.co.uk.

 

I have a financial services company and debt advisory and consultancy business I personally will be able to get you immediately the help and advice you are seeking.

 

Telephone 01306 881399, or mobile 07710-854040 ask for Paul

 

Day 3  Other Help from a Distressed Client.

 

Yesterday I successfully arranged for one of my Clients who has just been to court with me having found a considerable sum of money in time to avert eviction and repossession to mentor my friend Mr in similar distress. They began a conversation yesterday and although they live 4 miles from each other I know I have done the right thing, allowing each the choice to talk to each other and yet they can both help each other, this is the mentoring idea in action. Because of Data Protection and the need not to discuss confidential personal information they are free to discuss their respective case histories with each other my Green Shoots involvements and free to individually come back to me for ongoing help, advice etc.

 

This programme i now intend to role out across Surrey in the coming weeks
We are stifled with bureaucracy in this country, to the point we could be restricting people from getting quick help proper help fast....

Day 4  Trying to talk to a Lender with a One track Mind Repossession.

A conversation with the lender today in preparation for a court Hearing this week organised by myself as a safety net and back up plan if necessary to ask for the courts help in obtaining more time. My client owes more than £6000 in arrears payments on their Mortgage, i have managed to secure a deal for the client to have to find £1500 continue from July with their normal mortgage payment and £200 extra on the £800pcm mortgage payment. That's a tall order when you have to figure out where to get £1500. I then seek about mentioning to my local church home group the clients basic need for prayer only disclose no personal information other than the first initial of their name and they receive no less than 10 people praying for help. 

So we await and see the progress... 
Day 5  The Cat is finally out of the Bag.

Client has finally told his wife now just as well as party to the mortgage the court hearing papers have arrived. My advice to anyone in this situation is part of the process of dealing with the overwhelming problem is to figure out what part is holding you back from facing your fear head on and dealing with it. I pressed my client for 2 days to say you must tell your wife the truth, the reality even if she cant deal with it right now and then get back to focusing with me 110% on the solution to the problem.

 

A call later, tells me my client has now raised over £700 in cash against the £1500 required, so it looks like we are making steady progress and I am resolved that these good people are not going to lose their Home when I am on watch.

This has been my clients darkest hour but with a combination of work, payments up front from their Business Clients and admitting where your at, asking family and relatives for help, i.e money on loan gifts of money etc, which isn't easy to face, my client is getting back control of the situation and feeling empowered again. This is vital to restoring shattered confidence and not feeling isolated and has put them back into the fight to keep control of their property.

 

Please fee free to comment.

 

If you need help please ask paulstacey@finance-solutions.freeserve.co.uk
or Telephone Paul Stacey 07710-854040

 

Day 6    Preparation and the Final Parachute Hope it Works

 

3 Hours of discussions and proposals with Client Mr and Myself numerous phone calls to the Lender and solicitor we arrive at a resolution for the client to have to find £1500 lump sum prior to the eviction next week and the Mortgage monthly payment plus £150 towards the arrears
On the previous days of asking begging and working my client has arranged £900, payment to the Lender today and banked a cheque for £500. The next day we have a Court Hearing Booked.

Day 7   Make or Break Day

 

Success at last and a real result
I attended the Court Hearing this morning which i instigated on behalf of my client as the Lender was unwilling to remove the Eviction Warrant and therefore allowing the Bailiffs free rain to come and put my family on the streets of leafy Surrey.
In the court room we had sight of a miracle. On the way in the client asked me if i was nervous.
I replied well since I am not a lawyer or Solicitor although I am a trained Financial Adviser I have no legal training, and i filed and set up the court hearing the honest answer to your question is scared  to death.. However I  have a secret weapon i said . Prayer....

In the Court to add to the helplessness and confusion that fear and panic may cause the Judge a lovely lady speak to me and reminded me a a Mackenzie Friend I would not be able to address her in court.

 So now what do i do?

Fortunately God had listened to my prayers and my 8 friends in prayer cover I was given the night before. Miracles and Common Sense prevailed and we today got the Eviction Warrant lifted so that when the final money is paid next week my Client can catch up and get a good nights sleep. And so will I what a day. The Young Solicitor politely said she didn't want to meet me again who was defending the client. The truth is when god walks with your situation its doesn't matter who you are up against or what you will succeed.

 

I thank the fact however that  we do have judges with common sense, but not enough.
 Still my client is elated and we go for a cup of Tea.
The satisfaction I feel is immense this  was a worthwhile morning.

Looking back this is remarkable we have saved Eviction in under a week as I only met up and started this project 1 week ago.

Really To God be the Glory.

 This is his story he simply used me as I  wanted to help and had the power to rightfully shut my mouth...

 

If you want real help and fast then call me.

Paul Stacey

Green Shoots of Recovery

Tel 01306 881399

Mobile 07710-854040

e mail paulstacey88@gmail.com

 

 

This is very Green

Who said you cant do your bit for the planet and be making some extra ready cash. I have come across a handy way to do both, my focus being the used cereal box on the kitchen table. You know the one, where the kids leave for school in a hurry and you are supposed to figure out which bin its going into. But wait, stop, think, for a moment.

What if i told you that you are about to through out £3 TO £5 of hard cash.

What if i could convince you that there is another way of looking at things.

What if i could convince you that the cereal box the empty egg carton the screwed up envelopes might hold the key to that few extra pounds you could do with
To Fix the Car
Take the Kids Out
Have a holiday
Pay the Mortgage Arrears
Pay off the credit cards a bit extra at a time

You know things that would really make a difference
Well i can and i want to help you ... so watch this space please feel free to contact me to register an interest, and be amongst the first to change your Bank balance, the environment and your neighbourhood and teach the kids a valauble education too...

Make a difference...
Contact paulstacey88@gmail.com