It’s frightening to face the possibility of repossession or eviction. We understand the pressure you’re under and want to do everything we can to help you stay in your home.
Ideally you’d get in touch with us before reaching this stage, but we can still help you right up until a court has granted the eviction notice. If you live in Scotland, we can put a ‘moratorium’ in place. This gives you 6 weeks clear breathing space to take action and sort out a debt solution with us to stop your eviction.
MORTGAGES ARREARS AND REPOSSESSIONS…
If you receive a notice of repossession in the post, read it carefully and follow the instructions. Get in touch with us and we’ll help with expert advice and the best solutions for your circumstances.
You may be asked to phone your lender to discuss the situation – this is a good opportunity to try to negotiate an arrangement that keeps them happy and keeps you in your home. Remember, repossession is usually a last resort.
Your notice of repossession may ask you to appear in court. While this may feel threatening, the court hearing is a chance to propose a payment plan with your lender. We’ll help you prepare for this and support you all the way. And don’t forget, you can also get free specialist advice form your local Shelter office.
RENT ARREARS AND EVICTIONS…
Your landlord can take steps to evict you if you don’t pay back your rent arrears or don’t leave the property by a specified date.
The local court will send you court forms and a hearing date. Usually, if you want to stay in the property, you’ll have to attend in person. Bear in mind that extra court fees may be added to your arrears.
At the hearing, a judge may allow you to stay in the property or give you a final date to leave. You may be able to ask the court to rethink, but for some tenancy types the court’s decision is final. If you don’t leave by the date the court dictates, the landlord can have you and your possessions physically removed.
If you’re living in the same house as your landlord and you’re behind with the rent, your landlord can end your tenancy without court action.
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