Knowing where you are in the repossession process is key to addressing the issue. Below we give an overview of the repossession process as it normally pans out.Firstly, the account falls in to arrears. The lender may contact you first or they pass the account to their Litigation/Collections Department for review. Next, if arrears continue […]

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Having a roof over your head is one of life’s basic needs. When there is a threat that this will be taken away, it is understandable  that  many people panic, get very stressed and worried and consumed with fear. They don’t know what to do or where to turn and the prospect of having to […]

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If you miss or are behind with payments on your motgage or any loan secured on your property then you are said to be “in arrears” or to have “mortgage arrears”.
Once you are in arrears you ae in danger of having your home repossessed if you do not act. Normally lenders wait for two […]

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If you have missed payments but have not yet received a court summons or hearing date see the article Arrears & Early Stages of Repossession - Actions You Can Take.
Stage 3 - Repossession Proceedings
The timings varies, but after around 4-6 months or more of arrears, the lender’s solicitors will issue Repossession Proceedings with the County […]

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If you haven’t yet gone to court or received a court order you are in an earlier stage of the repossession process.  You may find the Early Stages of Repossession (stages 1 and 2) and the Repossession Proceedings (stage 3) artciles useful.
Stage 4 - Repossession Court Hearing - The Court Order
At a possession hearing your case will be […]

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