Stop Repossession & Eviction
It is never too late to stop the repossession of your house. Contact us, even if your eviction is only an hour away. Call 0800 298 0571
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What happens if repossession of your house is threatened?
When faced with a court hearing, it is best to seek prompt assistance. In any case, the judge will listen to both sides of the argument; the fact that a lender has applied for a repossession order does not mean that the court will automatically grant one. Professional representation is not always essential, though it may often be advisable or beneficial.
If you are unfortunate enough to be one of them then we can help.
Here to help you through a difficult time
Facing Repossession is a very difficult time, if you do not seek the right advice then you could lose your home unnecessarily. We are here to provide a full assessment of your legally supported options, that your mortgage lender should have provided. More importantly, we can force a legally supported defence through the court so that you have a court order to follow and do not have to jump through the hoops your lender in no doubt trying to make you jump through now.
How to Stop Repossession
It is essential to understand how repossession works. An awareness of timescales and levels of arrears is essential, as well as where to get assistance. Also, a clear understanding of your rights and responsibilities is useful because it will help to formulate a plan to stop mortgage repossession.
1. Talk to your lender
Usually, lenders prefer to reach an agreement that works for the owner-occupier concerned as well as the financial organisation. Conversely, failing to respond to lenders’ letters (or responding inadequately) may result in a summons for you to attend a court hearing.
2. Do not panic
Do not panic; stay calm and contact our advice service at the earliest opportunity. Proceedings take weeks; the law obliges lenders to follow a detailed process before initiating any court action. A minimum notice period of fifteen days applies to any notices served, such as court summons or orders.
3. Review non essential expenditure
Review your non-essential household expenditure and prepare a budget to see if you can make savings. If your circumstances have changed due to health or employment reasons, you might be entitled to state benefits. Eligibility depends on income, savings and any children in the family. There is also a Support for Mortgage Interest (SMI) scheme.
Repossession Support & Guidance
If you are a homeowner and need support, we will guide you through your options to prevent repossession of your property with a free consultation. Our friendly, highly focused, team of experts will listen to your unique story and identify solutions for your specific circumstance. For over 10 years we have created a fantastic team that specialise in giving the best advice and help they can in order to stop repossession and to save homeowners from losing their property.
N244 Application Notice
The N244 Application Notice is an official court application form used by the county court for a number of different applications. It is commonly used either to postpone or stop repossession orders. We also use the application form to apply for an emergency court hearing to get your case in front of a judge so they can decide whether or not to suspend or possibly stop a repossession notice that your lender has secured against you. Read more . . .
Common questions we hear from people facing repossession & eviction
We can help answer these questions and stop eviction from your home. For security and peace of mind call one of our specialists today.
- How do you avoid repossession of your home?
- How many months mortgage arrears before repossession?
- Can I get a mortgage after repossession?
- What happens after house repossession?
- How do I stop repossession of a house?
- What is the mortgage repossession process?
- Can I get a loan to prevent repossession of my house?
- Eviction notices. What to do?
We’ve saved our clients facing home repossession from the following lenders:
Santander
Barclays
Nationwide
Natwest
HSBC
RBS
Charter
Redstone
Rooftop
Halifax
Lloyds
Elderbridge
Kensington
Acenden
Halifax –Santander – Barclays – Nationwide – Natwest – Lloyds – Elderbridge – HSBC – Kensington – Acenden – RBS – Charter – Redstone – Rooftop
UK Repossession Statistics
UK Finance’s latest Mortgage Arrears and Possessions Update for the first quarter of 2018 reveals that:
There were 78,800 homeowner mortgages in arrears of 2.5 per cent or more of the outstanding balance in the first quarter of 2018, 8 per cent fewer than in the same quarter of the previous year and the lowest level since records began in 199

Some Facts and Myths about Repossession
Thousand of apartments, flats and houses are subject to repossession proceedings every year, but many myths surround the subject.
Despite oft-heard rumours to the contrary, homes cannot be repossessed without warning. Homeowners who have mortgage arrears first receive a letter from the lender, after which there is usually an interval of some two to six months before any legal proceedings commence. Debt collection agencies cannot repossess properties, as only a court can grant such orders if the mortgage is on a residential basis.
Notably, it may be possible to stop repossession by negotiating with the bank or building society concerned and agreeing to:
- Pay off arrears over time.
- Refinance the property.
- Sell the property.
Caution is necessary; handing the keys to the property back to the lender will not end the matter. Mortgage lenders can still pursue debtors for up to twelve years in England and Wales and up to five years In Scotland if there is a shortfall after the property is sold.
Additionally, many Homeowners believe that if there is equity in the house, then the Lender will keep the proceeds from the sale. This is not the case, if there is a balance released after the house is sold, then it will be sent back to the Homeowner, however, it is going to be significantly reduced from what should be available if you sold the property for yourselves due to:
- The increased solicitors and court costs added to the mortgage.
- The Asset Management Company and estate agents costs for selling the property.
- The increased charges made by you Lender for coordinating the solicitors and Asset Management Company.
- The significant reduction in the sale price due to it being a repossessed property.
Of course, this does not even account for the time delay in the Lender selling your property and finalising your account and property title. Most Homeowners that are fortunate enough to get some money back, have to wait over 8 months, during which time, no assistance is available for being rehoused.
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We help save your home by stopping your eviction, helping you clear your arrears & negotiating with your lender.
What people have to say about Home Owner Management Services
I really had my head in the clouds as I believed I now had no where to turn. I had already made my appointment with the council to assess me for emergency housing. However my council said they could only find me a hostel to stay in. 1 call to Aggressive Lender Solutions and I no longer had a problem.
They resolved the Eviction order in a matter of days, giving me every confidence that they could achieve it, every step of the way. I don’t know where Id be if they didn’t help.
I really can’t thank you guys enough. I was certainly headed for another breakdown, however, the sheer weight of your support saved me from despair and I am sat at home nice and warm, in familiar surroundings thanks to you.
I can’t believe, looking back, how much time I wasted trying to convince the lender to let me stay, so many documents and offers, my only regret is honestly not phoning you sooner.
Thank you so much for your help. We can now keep our home for the long term. We now have to pay our Lender a monthly payment we can finally afford after a year of turmoil. The hardest thing was unpacking all the boxes we had already packed because we thought there was no hope.
Everything you did for us was so quick and professional, our home was saved before we knew it, it took some time to sink in, but they really did achieve what we thought was impossible. In less than 24 hours of phoning them the eviction order was cancelled.
With the weight off our shoulders we can concentrate on living again and earning the money we need to pay the mortgage without living in fear of the Bailiff knocking on the door with an eviction order!
I was at a total loss at what to do with my situation, having been a mortgage broker, I was convinced I had the ability to talk to my lender and negotiate however; nothing I could offer was good enough!They explained the process to stop the eviction and when it all came together it was like a case of De Ja Vu, it went EXACTLY as they said it would. They got me enough time to save up my deposit to go and rent, and I just let the lender have the house because I had negative equity anyway.
I am now back to a comfortable state of living and have no stresses anymore. I didn’t have to borrow any money from anybody because I didn’t have to pay the mortgage while I was saving up for my rent.
The best part was having the ability to remove my belongings at my own pace, and it not being done for me! I didn’t need to arrange storage or anything. I cant begin to express how grateful I really am!