About Us
At Homeowner Management Services (HMS), our story is deeply personal – and we’ve found that more and more clients want to know how we began and who we are as people.
How HMS Was Born
HMS was born from necessity.
We’re truly a family-run firm, founded on lived experience rather than corporate strategy.
Our story began with our father, Jim, a successful mortgage adviser for many years. When the 2008 financial crash hit, his business was devastated, and he faced the same threat our clients now come to us about – repossession.
As a family, we worked tirelessly to buy him time and explore every possible option. What we quickly discovered was that while many advice channels could explain what was going to happen, very few could show how to stop or delay repossession.
After successfully delaying our father’s repossession for nearly a year – giving him the breathing room to recover – Jim told us the support and strategy we developed had been life-changing, and he urged us to help others in the same way.
That was the moment HMS was born.
Our Mission – 18 Years and Counting
Now, 18 years later, HMS has remained laser-focused on one thing:
helping families avoid repossession and secure their homes.
Through thousands of calls with clients, lenders, solicitors, and the Financial Ombudsman, as well as countless court applications and appeals, we’ve built unparalleled experience in this complex area.
Between us – Ben, Richard, and David – we believe we know more about how to stop repossession than anyone else in the country.
Meet the Team
Richard
(Case Strategist & Client Advisor)
Richard is often the first point of contact at HMS, helping clients understand their situation and plan a clear path forward.
His strategic approach ensures every defence is tailored to what actually works in stopping repossession.
Outside of work, Richard lives with his partner and four children. A self-confessed lover of the sea, he enjoys spearfishing whenever he can and proudly supports the RNLI and Air Ambulance Wales – “just in case they ever need to return the favour.”
David
(Client Adviser & Commercial Specialist)
David focuses on cases where refinancing might offer a lifeline – carefully pairing clients with regulated brokers to ensure every step is compliant. He also specialises in LPA receivership cases, where strategy and timing are everything.
David is a proud father of two daughters, a passionate (if occasionally frustrated) golfer, and a lifelong football fan.
Ben
(Client Strategy & Lender Relations)
Ben ensures clients stay on course with their agreed strategies, stepping in to adjust direction when needed.
Over the years, he’s built strong, professional relationships with most UK mortgage lenders and mortgage litigation solicitors – relationships that often make all the difference.
Ben has two daughters and is an active supporter of the local charity Hands Up for Downs, inspired by his youngest child.
Why We Do What We Do
At HMS, we’ve walked in our clients’ shoes.
We know what it feels like to face the fear of losing your home – and that’s why we’re so passionate about helping others avoid it.
We don’t just give advice.
We give clarity, strategy, and hope – when people need it most.
If You’re Facing Repossession
Contact HMS today – we’ll help you understand your options, build your plan, and fight for the best outcome.
Call: 0800 298 0571
