Repossession Process...
Below are our articles on the subject of Repossession Process. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
Applying to Stop Evictions
How to apply to a court to stop an eviction. The powers a judge has to stop an eviction in relation to different types of possession orders....
Bankruptcy and Repossession
An overview of the rules on the repossession and sale of a bankrupt person's property once a bankruptcy order has been made....
Consumer Credit Mortgages
The main differences between consumer credit mortgages and ordinary mortgages....
Defending a Mortgage Repossession Case
What happens when a borrower has a genuine defence to a mortgage repossession case? The procedure for defending a mortgage claim and the potential costs consequences…...
Evidence in Mortgage Repossession Cases
The rules on evidence in mortgage repossession cases and the difference between the approach taken by the courts to the lender’s and the borrower’s evidence at a…...
Facing Eviction
Factors that lead to people facing the threat of eviction and what to do when they happen to you....
Lender's Solicitors
What to expect once the lender’s solicitors become involved and what can still be achieved....
Money Judgments in Possession Cases
Money judgments in mortgage repossessions, how they differ from County Court Judgments and why lenders ask for them....
Mortgages - Words and Phrases
A guide to some of the words and phrases that a borrower is likely to hear at the court hearing of a mortgage possession claim....
Mortgages where Courts have Limited Powers to Assist
How to identify mortgages where the courts’ powers to make a suspended possession order are very limited....
Negative Equity
Negative equity and the impact it has on the behaviour of lenders and the courts....
Negotiating with Your Lender
The benefits of talking to your lender and why it is better to approach them before they approach you....
Pre-action Rules in Mortgage Possession Cases
A guide to new rules which apply to mortgage cases: the mortgage pre-action protocol and its impact on mortgage possession claims....
Preparing for a Mortgage Repossession Hearing
Preparing for a mortgage repossession hearing - some simple steps which borrowers can take to make sure that a possession hearing runs smoothly and has an acceptable…...
Repaying Mortgage Arrears: Cheltenham & Gloucester V Norgan
The case of Cheltenham & Gloucester v Norgan and how it changed the approach taken by the courts to repossession cases based on mortgage arrears....
Repossession for Arrears of Service Charges or Ground Rent
Repossession for arrears of service charges and ground rent. What happens when a freeholder brings a legal claim against a leaseholder for unpaid service charges or…...
Repossession of Property With Commercial Premises
The legal procedure which applies when a landlord wishes to repossess a property, including commercial premises, which is let to a tenant under a business lease....
Repossession Stages
Every stage of the repossession process - from when an account first falls into arrears to eviction....
Shared Ownership and Repossession
The double threat of repossession faced by the owners of shared ownership properties....
Suspended Possession Order
Explaining the effect of a suspended possession order and when a judge can grant one....
Talking to a Mortgage Lender's Representative at Court
Talking to the mortgage lender’s representative before a possession hearing and why it might not be too late to reach an agreement....
The Council of Mortgage Lenders
What is the Council of Mortgage Lenders (CML)? The members, structure, purpose and functions of the UK mortgage industry's trade association....
The Defence Form in Mortgage Repossession Cases
The defence form in standard mortgage repossession cases. The information that a borrower may provide on the form and how the form will be used by the court....
The Mortgage Pre-Action Protocol Checklist
The mortgage repossession pre-action protocol checklist - the requirements on a mortgage lender to produce a completed checklist when applying to the court for a…...
The Role of the Bailiffs in Property Repossessions
What happens when bailiffs come to repossess a property because of mortgage or rent arrears? County court bailiffs and their role in evictions....
Understanding Repossession
What happens if a mortgage company issues proceedings for mortgage arrears. How to get free advice and how to avoid having your home repossessed....
Unsecured Loans & Charging Orders
What really happens when a lender appears to turn an unsecured loan into a secured loan....
Who Should Receive Notice of a Mortgage Repossession Case?
Who should receive notice of a mortgage repossession case? The individuals and organisations which the mortgage lender must notify before a mortgage repossession hearing....
Will the Court Give Me Time to Sell My Property?
An overview of the different approaches which may be taken in a repossession case when a borrower asks for time to sell the property....