Mortgage Repossession Claims
If you have a mortgage and you fall behind with your mortgage payments, your lender may decide to repossess the property.
Mortgage lenders – the bank or building society – are able to repossess mortgaged homes because once a mortgage is agreed and the monies are forwarded, the lender takes a charge on the property. This means that they have a right over the property and will hold the deeds until the mortgage is paid off.
A mortgage lender can issue a claim for possession of the property if you are unable to pay the mortgage arrears and continue your payments. Mortgage lenders should only take court action as a last resort option and should endeavour to resolve the issue by other means before repossessing the property. Lenders must also follow several procedures before they can repossess a home, these include;
- Telling you exactly how much you owe
- Consider a request from you to change your payment method
- Respond to any payments offers you make – if they refuse payment they must give reasons why within 10 days
- Give you reasonable time to make decisions regarding any proposals made
- Give you 15 days written warning if they plan to start court action
- Give you the date and time of a repossession hearing
- Inform your council within 5 days of getting the court hearing date, in case you need to apply to the council as homeless
You may be able to come to an agreement with your lender even after court proceedings have started, in which case you will still be required to attend court but can inform the judge of the agreement when you are there.
If you cannot come to an agreement then you should contact a member of our Housing team as soon as possible.
WHO WE AREWhy Choose
Housing Law Solicitors
There are many good reasons to choose our housing solicitors here to handle your legal defence. The first is our excellent reputation as industry leaders in this area of the law, with 5-star customer rated reviews and all of the clients who’ve used our services for Housing Law Solicitors saying they would recommend us to others. As they say, word of mouth, is the best advertising you can get. Members of our housing team have also been recognised by some of the top legal directories in the UK.
Our solicitors take a holistic, personalised approach to each and every case. We know that facing repossession or even disrepair or an anti-social behaviour order can be a very distressing experience and mounting a credible case without expert help is extremely difficult if not impossible. Our solicitors will listen to you and offer their advice in an honest, transparent manner, explaining your options clearly. They’ll also keep you updated on your case and work tirelessly to secure the best resolution for you.
Housing Law Solicitors - You can trust
How Housing Law Solicitors Can Help
Resolving any type of housing issues involves several steps, starting with providing initial advice on outcomes of housing matters. This advice is crucial, as it prevents you from accidentally incriminating yourself or making a mistake that could work against you in court further down the line. At Housing Law Solicitors, we also:
- Provide advice in relation to housing procedures and what to expect next
- Protect the rights of people facing anti-social behaviour
- Attend landlord interviews with you to ensure that proper procedure is followed and that you’ve the legal advice you need to answer questions appropriately
It is crucial you call us at the earliest possible stage of any housing issues or an anti-social behaviour order. Time is of the essence.What we regard as the best Housing Law Solicitors are waiting to help you. Call us now on 0800 061 4996 . All calls are free from landlines and Mobiles
Drug Offence Specialist SolicitorsWhat To Do Next
Our expert housing solicitors can provide tenants with housing advice and assistance. It’s essential to seek expert legal representation immediately. Time is of the essence. A person who has been facing housing issues has the right to legal representation as soon as they ask for it. Our housing solicitors will uphold your legal rights from the start to ensure that you’re treated fairly and to establish the facts in the case as soon as possible.
If you’re in this kind of situation, don’t hesitate. Call our housing law team on 0800 061 4996. We have our liaison team waiting to help.
Even if your case has progressed further than this, our Housing Law Solicitors can still help. It may be the case that you aren’t happy with your legal representation, or the charges against you have changed. In these circumstances. It’s always better to simply call our friendly housing law team to discuss the details of your case further for expert advice you can rely on. Our housing solicitor liaison team will clearly and honestly lay out the strategic options available to you, offering a realistic prediction of how the case will unfold and advise on how to achieve a positive outcome. We are always waiting to help.
Housing Law Solicitors
If you’re facing housing issues or an anti-social behaviour order, contact our experts at Housing Law Solicitors with access in London, Birmingham, Manchester. We are the number 1 choice to provide expert advice and legal representation anywhere in the UK. So, whatever your situation and wherever you are based, we’ll be there for you.
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