Legal

Understanding the consequences of breaking a court possession order. For UK homeowners in distress, a court possession order represents the final act of facing home repossession. But what happens if a homeowner decides to break such an order? The consequences can be significant, both legally and personally.  A court possession order is a legal directive […]

How’s your understanding of Legal Aid in the UK? Legal Aid was designed to be a significant part of the support structure for individuals facing debt stress, including homeowners, providing a crucial lifeline for those who are financially unable to afford legal representation or advice on their own. Its main purpose is to help cover

Repossession timeframes for homeowners following a court order. I have been asked in the past about how much time you have before having to vacate, once a repossession order has been granted by the court. There is a timeline from the moment you receive a repossession order, to the arrival of the Bailiffs, but the

Have you heard of the Repossession Pre-Action Protocol? Receiving a home repossession order due to mortgage arrears is undoubtedly a distressing experience. However, it’s important to know that there are specific procedures and protocols that lenders must follow before they can proceed with a possession order. One key safeguard for homeowners is the Pre-Action Protocol

Has anyone heard of the Housing Possession Court Duty Scheme? I came across this scheme just recently and I wasn’t too sure of what it was, so I took a deeper look. What I learned was that the  scheme offers immediate legal advice and representation to homeowners and tenants facing possession proceedings in court. It’s

Possession Proceedings? Applying for Time to Sell. If you’re in a situation where selling your home could prevent repossession and potentially end the financial strain, applying to a court for more time to sell can be a viable option. When facing home repossession due to mortgage arrears, one of the avenues homeowners can explore is

What role do courts play at repossession hearings? Yesterday I was talking to a prospect about her situation, which was that her lender had sent her a letter stating that unless they heard from her very soon, they would start possession proceedings through the courts. She went on to ask me about going to court,

Understanding UK Mortgage Repossession Jargon: A Guide for Homeowners Facing home repossession can be overwhelming, especially when confronted with a barrage of legal terms and jargon from mortgage lenders and their solicitors.  Here’s a list to help understand some of the key terms involved in the UK home repossession process: 1. Arrears: This term refers

Court costs in your mortgage repossession case! Disputes arising from the amount of costs claimed by lenders in mortgage repossession cases are somewhat of a grey area, as it is down to the judge’s discretion on how he/she sees each case. Generally there seems to be the assumption that the lender has the right to