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Mortgage Repossessions

Losing your home is a risk that you don't want to take. When you are in financial difficulties you are unlikely to be able to afford a Solicitor to help you. Some County Courts have a Duty Solicitor available to provide you with advice and assistance immediately before the hearing, but often this can be too late in the day. In many cases what you really need is 'time' and 'understanding. We can provide the light at the end of the tunnel.

If you are experiencing difficulties paying your mortgage and are in arrears; have been threatened with repossession proceedings or have received a claim form and/or a hearing date to attend court in relation to repossession proceedings we can advise on what to do.

Knowing what steps to take and have been taken to date we can advise whether the lender has complied with the Pre-action Protocol and discuss alternative options that may be available to avoid repossession of your home.

We can also advise whether or not the lender has followed the correct procedural rules and determine whether or not there is scope to ask for an adjournment to give you some extra time to avoid repossession.

We can advise you of the relevant powers available to the court under both the Consumer Credit Act 1974 and under the Administration of Justice Act 1973. This knowledge can enable you to make an informed decision about your circumstances and where applicable enable you to put forward arguments to the court to avoid a Possession Order. With our help you need not be powerless and in the dark.