Repossession Court Hearing

What is a hearing?

A ‘Repossession Court Hearing’ or ‘Possession Hearing’ is the first stage that your case will be assessed by the impartial Court system. To stop any chance of property repossession at this stage means presenting a solid case and understanding the system and the often complex language used by the legal profession, and can be very daunting with it taking place in an actual Court of Law.

If you want to stop repossession and save your home, get in touch now. For more detailed information about your Possession Hearing, please read on below.

Understanding Your Position

A Hearing will be set if your Lender has applied to your local County Court for a Possession Order on your home. They will usually do so when they feel that your mortgage arrears are too extensive. This usually occurs when Homeowners reach between three and six months of mortgage payment arrears.

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There are three main options in dealing with your Repossession Court Hearing

Don’t Attend

A viable, and sometimes necessary option (under very specific circumstances). If you do not attend the Hearing you will not stop eviction and repossession, the process will typically be suspended for 28 days and after this time your Lender will be able to apply to the Court for an eviction order to take possession of your home.

Apply for a Suspended Possession Order

A Suspended Possession Order is an Order issued by the Court if it is established that you will be able clear your arrears over a reasonable period of time. We have a great deal of successful experience in establishing a good case for our clients so they are able to achieve this outcome.

This will provide you with a second chance and stop repossession as long as you maintain the new payment plan set out by the Judge. It is vital that you convince the Judge to provide an order you can afford because if you do not meet the payments then your Lender will be within their rights to apply for an Eviction Order on your home without notice.

Many Homeowners panic & make an arrangement before the Hearing under the pressure and scrutiny of their Lender or Lenders representative, which they cannot afford, DO NOT fall into this trap.

Sell your property

This is always an option, but one we will try to avoid if possible as we will always aim for you to keep your home. If you do decide this is your most viable option we can help you through the process of negotiation with your Lender and make sure you are protected, fully informed and provided with enough time to sell and find somewhere else to live.

Help With Repossession Court Hearings

By this stage you will have received a large amount of paperwork including payment reminders and warnings of impending legal action from your Mortgage Lender and their Solicitors. Finally you will receive Court paperwork detailing a time and date for your Possession Hearing. HMS know that this is an alarming situation and we are ready to calmly explain your options. We will also explain, in simple English, the documentation you have received up to this point, which can often be overwhelming and layered in technical legal language.

Stop Repossession, Call us Today.

We can guide you through every step of the process, from explaining any documentation in clear simple language, through to rigorously preparing you for the Court Hearing itself.

With over 40 years of combined experience of the Court process and can prepare you for any scenario, together we can achieve the best outcome for you.

Repossession Experts

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

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

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