How a repossession solicitor can help you

If you fall behind on your mortgage repayments and have not been able to come to an arrangement with your mortgage lender, they will then issue you with what is called a ‘notice of default.’ This letter is the first stage in the repossession of your home. Don’t ignore this letter, and seek qualified legal advice from repossession solicitors in your area as soon as you can.

Repossession solicitors can also help and represent you if your mortgage lender moves to the next stage of repossession, which is going to the court to request a ‘claim for possession’. It is always advisable to keep negotiating with your mortgage lender even if they have begun formal proceedings to repossess your home. Again a repossession solicitor can be invaluable in these circumstances, as they can negotiate on your behalf. And having the support of a legal representative in court is always advisable.

Your mortgage lender is bound by property law to follow a set procedure called the ‘pre-action protocol’ that gives you time to look for ways of resolving your dispute with your mortgage lender. You could for instance look into using the Government’s Mortgage Rescue Scheme. Repossession solicitors can explain how this scheme works and if it is suitable for your particular circumstances.

And if you feel that your mortgage lender has not treated you fairly and has not followed the pre-action protocols, you have the right to make a complaint. Your complaint should be made to the Financial Services Ombudsman (FSO). You can called the FSO on 0300 123 9123. Note that this call will be free if you usually pay a monthly charge for calls starting with 01 or 02. Your repossession solicitors can help with your complaint and with any additional information that might be requested.

If you do get into difficulty with your mortgage repayments, the advice is always to act quickly. Contact your mortgage lender, as they may be able to hep you. And if you have any questions about property law, or need representation in court, there are repossession solicitors in your area ready and waiting to help you.

If you would like to obtain legal advice about property laws and legislation, Contact Law can put you in touch with a local specialist property / repossession solicitor free of charge. So, if you have any questions or would like our help in finding local property / repossession solicitors please call us on 0800 1777 162 or complete the web-form above.

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