Avoiding Repossession...
Below are our articles on the subject of Avoiding Repossession. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
Appealing Against a Mortgage Repossession Order
If the judge hearing a repossession case makes a decision which one of the parties disagrees with, it is not possible simply to ask another...
Applying to Set Aside or Vary a Possession Order
This type of application is most likely to be made by a borrower who did not know about the court proceedings and / or the hearing at which the...
Borrowers with 'Bad Credit' Mortgages
Borrowers with so-called bad credit mortgages – also known as sub-prime or adverse credit mortgages – have rarely chosen them because they offer...
Changes to Support for Mortgage Interest Payments
Recent changes to the rules on the support for mortgage interest benefit may lead to an increase in the number of borrowers struggling to keep up...
Complaining About a Mortgage Lender
Complaining about a mortgage lender can be a lengthy process. However, borrowers should try to follow the proper procedure. Attempts to by-pass one of the steps in...
Court Hearings
Most courts list possession hearings in bulk. Each case is allocated five minutes but some inevitably take longer. Consequently a case might not be heard until much...
Dangers of Selling your Home and Renting it Back
There are now many companies advertising their services by saying that they can stop eviction. Some of these companies offer to buy people’s...
Defending a Mortgage Possession Case
When a mortgage possession case is started the borrower is sent a response pack containing the Claim Form, the details of the case and a defence form for each...
Defending a Rent Possession Case
The ways that a tenant can defend a rent possession case will depend on:
The type of tenancy; and, /li>
The basis on which the landlord is seeking possession....
Falling Behind with Repayments
The time to deal with the problem of arrears is as soon as a borrower first finds that they are struggling to meet their mortgage instalments. Lenders will often be...
Getting Help with Mortgage Payments
Mortgage payments often represent the largest item of monthly expenditure for a household. With the credit crunch biting and interest rates on many mortgages going...
How Does Payment Protection Insurance Work?
Payment protection insurance – or PPI – has come in for a lot of criticism recently. Following an eighteen month investigation, the Competition...
How to Stop Repossession
There is much that borrowers can do to stop repossession. The most important thing is to take action as soon as it becomes clear that there are going to be problems...
Mortgage Arrears Fees - Can I Claim Them Back?
Some lenders apply fees to mortgage accounts which are in arrears. The rationale usually given for these fees is that it costs a lender more to...
Pre-Action Rules in Rent Arrears Cases
Special pre-action rules may apply to repossession cases. These rules apply to some claims where a social landlord – such as a local authority or...
Repossession and Buy-to-let Properties
Buy-to-let properties have been amongst those most at risk of repossession following the financial crisis of late 2008. The early to mid 2000s...
Repossession and Mortgage Lenders Who Act Unfairly
Some borrowers may feel that they have been treated unfairly by their lenders. When threatened with losing one’s home through repossession it can...
Repossession and the Forfeiture of Long Leases
A person who owns a leasehold property could face repossession if they breach the terms of their lease.
What's the difference between...
Selling or Re-mortgaging your Home
Even once a lender has started repossession proceedings it is not too late for a borrower to sell the property themselves. A borrower is entitled to sell, or...
Support for Mortgage Interest
Support for Mortgage Interest is a state benefit payable to some borrowers who need help with their mortgage repayments. Support for Mortgage Interest should not be...
Taking in Lodgers to Help With the Mortgage
Taking in a lodger has become increasingly popular with homeowners who need extra income to cover mortgage payments. Whilst sharing one's home...
The Homeowner's Mortgage Support Scheme
The Homeowners Mortgage Support Scheme is a government initiative to help people struggling to keep up with their mortgage payments. The Scheme...
The Mortgage Rescue Scheme
The Mortgage Rescue Scheme is the name for a £285 million fund set up by the government to help some homeowners struggling with their mortgage. This should not be...
The Repossession Prevention Fund
Many local authorities run homelessness prevention schemes to help those who are at risk of having their homes repossessed. Towards the end of 2008, the UK’s...
Turning a County Court Judgement Into a Possession Order
If a company or individual obtains a county court judgment for a debt, there are several ways they can enforce the judgment if the debt is not...
What is a Sub-prime Mortgage?
Suddenly everyone seems to be talking about sub-prime mortgages. They are widely blamed for the economic downturn, but what is a sub-prime mortgage? Why are they so...
Where to Find Personal Debt Advice
For many people, juggling debts is just a part of life. Re-mortgaging, transferring credit card balances from one zero rate introductory offer to another, robbing...
