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Stop Repossession & Eviction Today

It is never too late to stop the repossession of your house. Contact us, even if your eviction is only an hour away.

Act now to stop repossession. Call us 24 hours a day, 7 days a week.

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Stop Repossession

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How to Stop Repossession

Make sure you talk to your lender

1. Don’t take emergency finance

Other companies may have misled you into believing that a bridging loan or short-term finance is your best or even only choice. That’s not true. The temporary relief will be short-lived when you are facing repossession for a much higher sum.

Try not panic and stay calm

2. Don’t accept a quick sale

In desperate situations, you may be tempted to accept a below-market-value “instant cash” offer on your home. Avoid quick sale companies at all costs—they profit from your misfortune. We can provide better options.

 Review household expenditure

3. Get us to help

We can help you navigate through your options. We will force your lender to give you time to make a decision that suits you. Our first step is to assess affordability for you to keep the property long-term. If this is not an option, then we will ensure you speak to regulated finance professionals or have time to sell your property on the open market.

What People Say

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  • I contacted HMS to stop my repossession by my mortgage lender. David at HMS worked with me closely and supported me through the whole process. Today I had a Court... read more

    Matt Stokes Avatar Matt Stokes

    Richard gave us more than we hoped for as we had an expired mortgage term and worried about the looming repossession. We just didn’t know what to do... read more

    Dave Hatch Avatar Dave Hatch

    I contacted David at HMS for advice with my BTL rental who showed they have vast experience and contacts around the property sector. HMS quickly resolved any issues i had.... read more

    Kevin Perry Avatar Kevin Perry

    I will do my best to express how thrilled I am with how Richard handled my case! I had a ridiculously small debt threatening repossession and some free advice from... read more

    Queen Mary Avatar Queen Mary
  • I had some legal issues regarding a property and I googled a solicitor and rang this company which is a family business and spoke to the son of the father... read more

    Kelvin Baines Avatar Kelvin Baines

    A big thanks to HMS, Your professional advice and guidance stopped the repossession of my property. I received an eviction notice from my mortgage provider and didn’t know what to... read more

    Andy Miah Avatar Andy Miah

    I am going to write this about this company Richard and Ben before all this happen with my house I was going through a difficult times I buried my head... read more

    Maria Cardoso Avatar Maria Cardoso

    Richard and his team are extremely knowledgeable, professional and very, very helpful. I cannot recommend them highly enough. They helped me to quickly resolve a legal dispute over a... read more

    Donald Scott Avatar Donald Scott
  • Excellent knowledge of the repossession process, this gave me the confidence to proceed and resolve the situation. Would definitely recommend! Customer service was 10/10 too I was quickly reassured and... read more

    Diane Wilson Avatar Diane Wilson

    Spoke to Richard after being told a notice of eviction is on its way. Almost immediately, my anxiety and panic reduced significantly by listening to what had to say. Treated... read more

    Guitar Dummy Avatar Guitar Dummy

    David was professional, knowledgeable and insightful throughout the process. Would definitely recommend to get in touch. Great guy.

    S P Avatar S P

    Amazing and helpful service - David negotiated a solution with the Lender and all resolved with all parties very satisfied

    Justin O'Neill Avatar Justin O'Neill
  • These guys reached out to me and, by giving me good advice, helped to ease my worries at a very vulnerable time. I would not hesitate to use them if... read more

    Julie dowling Avatar Julie dowling

    Great team Richard amazing did all he could possibly do I was a very difficult case - if you want cherry on top look no further best of breed

    Ricky Bonner Avatar Ricky Bonner

    Just to add it was q very professional and clear advice from Richard of Homeowner management regarding my issues With an excellent feedback and assistance in every way Thank you... read more

    Robin Koovapalille Avatar Robin Koovapalille

    Well here I am after my first decent nights sleep in I dont know how long. 😊 This was only possible because of the support and guidance I received from... read more

    Natalie Scott Avatar Natalie Scott
  • I spoke to David for advice regarding a matter for my mum. David was very helpful and reassuring. The advice given was followed and the matter has now been resolved.... read more

    Waseem Jugon Avatar Waseem Jugon

    So very grateful for information given ,so knowledgeable, Answered so many questions and concerns .Thank you

    Angela Aitken - Smet Avatar Angela Aitken - Smet

    Richard was very helpful Excellent knowledge on subject matter Anyone looking for sound advice,use this company first

    Stephen Parkyn Avatar Stephen Parkyn

    Absolute legends Richard and Ben are!!!. My knight's in shining armour. They are extremely informative and true to there word. They dealt with my issue very effectively and... read more

    Sadia Nazir Avatar Sadia Nazir
  • David was very professional in the advice given, listening and asking questions to understand my situation. There was no hard sell to benefit from the situation I am in. 1)... read more

    Craig Smith Avatar Craig Smith

    Great service and David was very helpful. Easy to talk to and made sure I was ok all the time he was helping me. After everywhere finally finished ... read more

    Catherine Dyke (Cat) Avatar Catherine Dyke (Cat)

    Can't recommend HMS highly enough - Richard was amazing, so knowledgeable, helpful and reassuring - honestly don't know how we would have managed without his advice!

    Peter Blunden Avatar Peter Blunden

    I was in the worst possible situation, and felt completely hopeless. I contacted HMS and Richard Harrison took on my case. Straight talking and no messing about; he literally saved... read more

    Helen Kent Avatar Helen Kent

We help save your home by stopping your eviction,
helping you clear your arrears & negotiating with your lender.

Received an eviction notice?
Or solicitors’ letters? We will stop your eviction!

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Mortgage term expired?
We can negotiate with your lender if your mortgage term has ended.

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Need help with your N244?
Successfully suspend your eviction notice. Call us now!

Paperwork Stress

Received an eviction notice?
Or solicitors’ letters? We will stop your eviction!

Paperwork Stress

Mortgage term expired?
We can negotiate with your lender if your mortgage term has ended.

Paperwork Stress

Need help with your N244?
Successfully suspend your eviction notice. Call us now!

Paperwork Stress

Contact us today
Contact HMS today to stop your eviction today. Call us 24hrs a day 7 days a week 0800 298 0571

Happy Clients

Expert 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.

Meeting

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.

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

Within the total, there were 24,100 homeowner mortgages with more significant arrears (representing 10 per cent or more of the outstanding balance). This was 3 per cent fewer than in the same quarter of the previous year.

There were 4,500 buy-to-let mortgages in arrears of 2.5 per cent or more of the outstanding balance in the first quarter of 2018, 6 per cent fewer than in the same quarter of the previous year.

Within the total, there were 1,100 buy-to-let mortgages with more significant arrears (representing 10 per cent or more of the outstanding balance).

Houses

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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