Our latest blog posts

Debt Consolidation
Fri 12 Mar 2010

Clear Your Credit Card Debt
Wed 10 Mar 2010

So, What Do You Owe?
Mon 08 Mar 2010

Mortgage Lending at 8 Year Low
Fri 05 Mar 2010

Credit Card Holders Punished
Wed 03 Mar 2010

Testimonials

“We are extremely satisfied with the level of service and professionalism combined with a friendly attitude of all the staff we spoke to, and would like to thank everyone at Harrington Brooks very much.”

Mr and Mrs B, Liverpool

“We were really pleased with the efficient way that Harrington Brooks handled our enquiry and by the speed in which our mortgage was finalised.”

Mr and Mrs S, Birmingham

“I found the staff at Harrington Brooks were all very polite, helpful and understanding. I couldn’t fault the level of service we received from start to finish.”

Mr J, Warrington

Repossession Enquiry

Full Name* Home Tel * Mobile Tel * Email * Level of Debt * Number of Creditors * Monthly Income * Please accept our Data Protection Policy to submit enquiry. Yes

Is your Repossession Legal and Fair?

No repossession can happen without a legal reason or a court hearing. Mortgage lenders do not have the authority to repossess properties; only judges do. Your actions determine what course of action the judge will take.

One of the more common reasons for repossessions is being in arrears with the mortgage. Being in arrears for a month or two might not - in most instances - be problematic. However, your mortgage lender may start with repossession action once payments fall too far behind.

The lender will send a letter to notify you of the arrears. You will be asked how the arrears will be paid. Should you fall behind even more on the mortgage payments and you do not inform the lender how payments will be made, some sort of action will be taken.

Since 2004, repossessions have increased drastically - 2008 might see an even bigger increase. The number of people who are in mortgage arrears has risen by 8.6%. Lenders' attitude to borrowers may also make it more difficult. They may add extra charges and be quick to take court action when they do not receive payment. Instead, they could try negotiating an affordable repayment arrangement.

There are a number of stages to a property being repossessed. Each stage may take a few months or even a few months. By trying to stop the process, the more options are available to you. However, you can appeal to the court at any stage should you feel the repossession is unfair. If you are able to stop the process early on you might not have to pay any legal costs.

No-one may evict you from your property without a judge's approval. The court should only make a decision when correct procedure has been followed. If you can prove that improper procedure has been followed, it could stop or delay the eviction.

Stop Repossession with our help. Fill out the Repossession Enquiry form to see how we can help you to avoid repossession. Alternatively, if you prefer you can call one of advisors on 0800 0481 764 who will be happy to assist with your enquiry.