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Mortgage Arrears2019-06-06T10:21:40+00:00

Mortgage Arrears

You are in mortgage arrears if you have missed at least one payment on your mortgage plan. This is usually the beginning of any issue ending in repossession and eviction and it is prudent to fix the problem before it gets any worse. We can give you tailored advice on your mortgage arrears if you call us now, alternatively read on for more information.

What Happens Next?

There are many reasons that people fall into arrears with their mortgage Lender, in many cases these circumstances are unavoidable. HMS have encountered and successfully resolved every scenario and are primed to do so again with your mortgage arrears.

  • If you have only missed one payment it is unlikely that you will have any issues with your Lender as long as you make a suitable proposal to repay the arrears over time. It is advisable that you negotiate with your lender as soon as possible.

  • If you have fallen behind and are in mortgage arrears of no more than three months, once again, Lenders tend to be sympathetic and will usually be willing to negotiate a payment arrangement to allow you to catch up. On the slight chance that your Lender in unwilling to negotiate, get in touch and we will insist that they do.

  • You should get in touch if you have a longer history of mortgage arrears as Lenders will be less lenient and will persist in obtaining financial recovery of the arrears and may even pursue immediate court action.

Usually at this stage Lenders will instruct a ‘Debt Counsellor’ or ‘Field Agent’ this person will meet with you and undertake an ‘income and expenditure assessment’ designed to determine what you can and cannot afford to pay. The Debt Counsellor’s report will be sent to your Lender and their their bill will be added to your mortgage account. to your mortgage account.

Often these reports are used to shore up the Lender’s case against you in future. You have every right to refuse this counsellor’s ‘service’, but you must contact your Lender directly and say so.

Alternatively, call HMS and we will guide you through the process, making sure you are not taken advantage of at any point.

If you need any further advice regarding mortgage arrears, please call us and we can discuss your options

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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

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!

Mr & Mrs J W

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.

Mr B

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.

Mrs M
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!

Mr L

It is never too late to contact us, even if your eviction is only an hour away. Call 0800 298 0571

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