The UKRepossessionHelpline.org aim is to allow those who have been threatened with repossession from their mortgage lender to retain ownership of their home.
We can do this through a financial review where we can effectively maximise your disposable income so you can afford to make mortgage payments and by legal representation to challenge court action by your mortgage lender.
The first stage for us is to determine how far along the repossession process you are. Every repossession case is unique, so it is important for us to get detailed information about you and your financial situation, as this will help us determine the best route of action for your repossession case.
We will ask you a number of specific questions about your financial situation, and perform a detailed income and expenditure analysis. Only once this has been completed, can we give you the right advice about how to handle the threat of repossession.
Challenging the Repossession Order. If, by the time you get in contact with us, you have been given a date for the repossession hearing, then we will put together a proposal for you.
This proposal will detail how you plan to make forthcoming mortgage payments, as well as making contributions towards your mortgage arrears. Our solicitors can represent you in court to help ensure that this is achieved.
Stopping the Repossession. If you contact us after your mortgage lender has been granted a repossession order, it is still not too late to benefit from our help.
As part of our service, we can set up an emergency hearing at your local county court. The aim is show the Court your change in circumstance, meaning that we will demonstrate how you can afford to stay in your home. Even if you are due to be evicted the following day, an emergency hearing can still be arranged in this time.
If it is possible, we will always try and stop repossession from going ahead, and we will do everything in our power to help you.
However, it is important that you are realistic about your own financial situation. If you cannot afford your mortgage payments or to pay off your mortgage arrears, then you may need to consider the alternatives, such as selling your home. Always seek professional help. If the Court sees that you are making an effort of sell your home at a sensible price, then they may allow you the extra time that you need to sell the property.
Each repossession case is different, and the right path for you is best determined by speaking to one of our Repossession specialists. Call free today on 0800 048 1779 or fill in the Quick Enquiry Form to the right for a call back.
Stopping a planned repossession is a complex legal process. There cannot be any guarantees of success. It is NEVER too late to start to oppose the repossession and the sooner you start the better the chance of a successful outcome. To successfully oppose repossession in Court we would always recommend professional legal representation to present your case.