FAQ

Repossession and a warrant for eviction are two separate processes related to housing issues. Repossession typically refers to the legal action taken by a lender to reclaim a property when the homeowner fails to meet mortgage payment obligations. It involves the lender regaining possession of the property due to default or non-payment.

On the other hand, a warrant for eviction is a court order that allows a landlord to forcibly remove a tenant from a rental property. This occurs when the tenant breaches the terms of the lease agreement, such as non-payment of rent, property damage, or other violations.

In summary, repossession primarily relates to the reclaiming of a property by a lender due to mortgage default, while a warrant for eviction pertains to the removal of a tenant from a rental property for lease violations.

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To avoid repossession during court proceedings, there are several actions you can take:

1. Seek professional advice: Consult with a housing specialist or solicitor experienced in repossession cases. They can provide guidance on legal options and strategies to help you avoid repossession.

2. Open communication with your lender: Maintain open and regular communication with your mortgage lender. Inform them about your financial difficulties and explore possibilities for renegotiating the terms of your mortgage.

3. Negotiate an agreement: Work with your lender to negotiate a repayment plan or alternative arrangements that suit your financial situation. This may involve spreading arrears over a longer period, making reduced payments, or seeking a temporary payment holiday.

4. Attend court hearings: It is essential to attend all court hearings related to the repossession case. Provide necessary documentation and present your case effectively to demonstrate your commitment to resolving the issue and keeping your home.

5. Provide evidence of efforts to resolve arrears: Gather evidence of your attempts to address the arrears, such as payment records, correspondence with the lender, and any financial or personal circumstances that contribute to your situation. This evidence can support your case in court.

6. Seek government support: Explore government support schemes available to homeowners facing repossession. These schemes may provide financial assistance or mediation services to help resolve the situation.

Remember, every case is unique, and outcomes may vary. Seeking professional advice and taking prompt action are crucial in increasing your chances of avoiding repossession during court proceedings.

Our business thrives because of our ability to respond to time-sensitive issues. Even if an eviction is scheduled for today, we can help and have customarily help to stop evictions on the same day that home owners make contact with us.

We often deal with cases in which there is a mortgagee in possession. Mortgage Lenders are more and more aggressive once they take possession of a property and we would be happy to resolve such matters for any homeowner facing them.

The financial industry in the UK fails those that do not fit into pre-prescribed norms and industry standards. This system does not give homeowners the time or respect that they deserve, nor does it seek to truly understand and cater for individual circumstances. Regardless of your credit status, we can help. Please call us so that we can discuss your specific situation in more detail.