Home Repossessions2023-09-15T10:00:21+00:00

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.

Home Repossessions

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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

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.

Repossession Expert

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

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

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