The Repossession Process

We will always ensure that you receive the best advice about how to stop repossession and our dedicated team work hard in stopping your repossession, allowing you to come to an agreement with your mortgage lender so that you can keep your home.

Each case is individual which means that we tailor our advice and service to your personal needs.

If we cannot help with your repossession then there could be other alternative routes which will help you make you other finances more affordable, such as a debt management plan, IVA or bankruptcy.

Our ‘In Court’ Practice

There are typically three main outcomes from a Court Repossession Hearing. Our aim is to achieve a Suspended Order.

1. Suspended Possession Order –
   This allows you to keep your home indefinitely, providing you adhere to the agreed terms which are ordered by the district judge.
2. Possession Order –
   This order is granted in favor of the Mortgage lender. This type of order will usually be issued if you have failed to attend the first hearing. A 28-day order will normally be issued (but this could be up to 72 days) which allows the homeowner a set time to clear the mortgage arrears, leave the property, or make an alternative arrangement. Failure to comply with this order means that the lender will take you back to court to obtain an Eviction Order, without a hearing.
   
   If you have a Possession or Eviction Order issued against you, get in touch as quickly as you can as we may still be able to stop your repossession. Call our team of experts on freephone 0800 048 1779.
3. Adjournment -
   The Judge can request an adjournment for the purpose of gathering further information in respect of the case, for you or the lender to produce at a further hearing at a later date.

Remember, we aim to get the repossession process STOPPED. We can offer you advice about your repossession. Call free on 0800 048 1779 for further information.

The UKRepossessionHelpline.org service is provided by Harrington Brooks Mortgage Help.

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.