Stop Home Repossession Today
At HMS, our priority is to ensure that homeowners and their families remain in their homes. With decades of experience in resolving mortgage issues under our belt, we offer swift and reliable advice that could be key to preventing the repossession of your home.
How can we help? Request a callback
Why Choose HMS?
- Available 24/7, 7 days a week
- Free expert advice and support with no upfront fees
- We provide the most positive available solution, enabling homeowners and their families to remain safe and secure in their own homes
- Legal expertise: we are specialists in repossession law, the court process, and relevant court applications
- We have helped to prevent the repossession of thousands of homes
- We further specialise in arranging new finance and gaining homeowners time to sell their property as a last resort
The Repossession Process
Whether you have just received a letter from your mortgage lender or you are already preparing for a possession hearing, or have an imminent eviction date, our team of experts are on hand to advise and guide you through any stage of the repossession process. Find out more about each step by clicking on the links below.
The Financial Conduct Authority (FCA) regulates what steps your Lender must take before starting the repossession process and states that repossession must be a last resort. If you are dissatisfied with the administration you can complain to the Financial Ombudsman Service (FOS).
However the courts overrule both the FCA and FOS and take a much more ‘no nonsense’ approach. It will typically benefit your lender to start the court process early and get a possession order. Once awarded it is very difficult to remove and your case will always be with the court, who have neither the time or the inclination to hear your complaints or worry about what our lender was supposed to have done previously. They will quite simply base your case on the contractual law.
How to Respond to the Threat of Home Repossession
You are likely to be under threat of repossession if you’re in mortgage arrears and cannot afford to pay your monthly repayments. Whilst the repossession process is supposed to be used as a last resort, it is important to take the paperwork seriously and act as soon as possible in order to avoid repossession.
Actions You Can Take to Avoid Home Repossession
1. ) Talk to your lender
A lot of repossessions are started because of a lack of communication. Letters to your lender are often ignored, pick up the phone. If you are nervous, call us first and we can help. You may be able to change the type of mortgage you have or reduce your payments. If such a change will allow you to keep up with repayments, your lender may consider it.
2. ) Check if you are eligible for financial help
You should look into any free mortgage-rescue services that you could potentially qualify for. Equally, you should check if you are eligible to claim any kind of benefits due to your situation. Support for Mortgage Interest can take a long time to kick in, but your lender may wait. If you are eligible, you should inform your mortgage lender as they should not start any possession action in such circumstances.
3. ) Pay what you can towards mortgage arrears
You cannot simply say to your lender ‘This is all I can afford’ you will make their case against you stronger. Your position and payments need to be structured, and we can help you achieve just that. However, keeping your arrears to a minimum, no matter how small the payments, will make your situation easier to recover from in the longer term.
And remember we can guide you through all of these steps. Just call 0800 298 0571
Find out more information about the repossession process by clicking on one of the links below
How to Stop Repossession
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.
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.
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.
How We’ve Helped Other Homeowners
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I cannot recommend David Harrison highly enough. He was very professional and knowledgeable throughout the whole process. From the first phone call they were an absolute super star.
Martha Ngara
October 27, 2025Very helpful advice given my term has expired but was given very good advice about my options & time frame
Ian Dunn
September 18, 2025What A Great Gentleman Richard is, absolutely Professional for the work he does. I was googling N244 at 1am in the morning as I was potentially looking at Repossession &... read more
Ajeel Safir
September 11, 2025I was in a low / dark place 18 months ago following some difficult personal circumstances. There were too many spinning plates and struggled to regain control, and faced certain... read more
Andrew Kiely
August 13, 2025 -
Richard was very easy to talk to, it was so reassuring that there are ways to help and he put my mind at rest, looking forward to taking to... read more
David Arnold
August 6, 2025What can I say about HMS,saved me from my property being repossessed on the last minute with the honest advice from Richard very much appreciated these guys are amazing.i called... read more
Gamming Channel
July 30, 2025Exceptional Support During a Difficult Time Homeowner Management Services went above and beyond when I was facing a very stressful situation with an inconsiderate lender trying to take possession of my... read more
Mjr David
July 28, 2025Ben was very understanding and helpful..I would highly recommend this company
Martin Garvey
June 5, 2025 -
Great understanding & very helpful advice on my pending repossession order. Many thanks...
Pam Benton
May 29, 2025Having problems with a possession hearing! Richard was amazing and incredibly helpful and supportive, he even took the time to offer free advice in writing to help me on the... read more
Jonny Worthy
May 28, 2025Ben was amazing and always available at any time of the day. Helped within a few days
Adam Ahmed
May 1, 2025HMS are brilliant.I have used this company a couple of times now and they cannot do enough for you.Richard,ben and david are an incredible team so much knowledge and confidence... read more
Jc S
May 1, 2025 -
I would highly recommend Richard and the term at Homeowner Management Services. They provided invaluable support and advice when I contacted them about my mortgage coming to the end of term. My... read more
Ann Mullins
April 30, 2025We had been given a repossession hearing by the bank which was scary. This would eventually lead to eviction even though we were not behind with our payments. Richard's advice... read more
Dave Wilcock
April 24, 2025Excellent, friendly, professional advice given
Stuart Kelf
April 14, 2025I spoke with Richard today. He not only put me at ease with my situation, but provided me with the next steps for me to take to get a better... read more
Jayne Forsyth
April 14, 2025 -
Excellent advice from David, very helpful, friendly and informative. Helped us with sound advice of how to deal with upcoming eviction or repossession orders. Feel a lot less burdened now. Keep up the... read more
Sam Kamal
April 2, 2025In May 2024 Landmark had started repossession due to the mortgage term expiring. I was totally expecting my house to be repossessed but then I spoke to Richard and the... read more
paula burns
March 19, 20252nd to none service from Richard and team. Swift response with excellent advice & support. Warmest regards. Lee D.
Lee Duke
February 26, 20252nd to none service from Richard and team. Swift response with excellent advice & support. Warmest regards. Lee D.
Lee Duke
February 19, 2025 -
Homeowner Management Services care! I was facing eviction from my home and Richard gave me excellent advice. He provided a legal argument to my case and when the Judge... read more
Rosemary Ebun
February 19, 2025It's been a one year and nine months since I deal with Richard and David they are amazing they keep looking after me what ever my situation but now it's... read more
Maria Cardoso
January 19, 2025the team at HMS what can i say a massive thank you to the team they not only helped me once but twice with repossession orders we owe them... read more
dale williamson
January 19, 2025Just let Richard know,I press one star thinking u pressed all stars, unfortunately it went off and put one star up and did write in my review that it... read more
Jane Hayward
November 19, 2024
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