Lender Negotiation2023-09-15T10:11:45+00:00

Lender Negotiation

The point at which many Homeowners choose to engage our services and advice is when their Mortgage Lender refuses their attempt to negotiate and threatens to start possession proceedings.

Lender Negotiation

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The Repossession Process

Vital Negotiation

Negotiation with your Mortgage Lender is a vital part of your case and can be started at any time. If used successfully, it can stop your case reaching court initially, or encourage a Mortgage Lender to withdraw an eviction Warrant for cases at a later stage.

When you have arrears, your Mortgage Lender will typically start Possession Action against you when your payments reach three months arrears. How soon your Lender carries out that threat is often determined by the Homeowner’s ability to negotiate and satisfy their Lender’s demands.

Each Lender takes a different approach and no two cases, even with the same Mortgage Lender, follow exactly the same path. This is because many factors surrounding the set up of the mortgage and the client’s individual circumstances play a part in how the case unfolds.

Some Lenders will offer you no form of negotiation and instruct their solicitors to handle your case, other Mortgage Lenders will run you around in circles and claim that you must evidence your case with payslips and bank statements so they can question every penny you spend per month. We have seen many cases where they waste your time and keep you occupied while they wait for a court date to be set.

We Negotiate With Your Mortgage Lender

We specialise in understanding how to marry your circumstances and affordability within the confines of your specific mortgage conditions. Next, we negotiate with your Mortgage Lender in a manner that makes it difficult for them to refuse, based upon the regulation they must follow.

In any form of Lender Negotiation, you must ensure that your proposal, whether it be to repay your arrears overtime; refinance; or request time to sell, falls within the regulatory and legal confines that bind your Mortgage Lender. If your proposals are outside of what is allowable, your negotiations will fail. We can ensure that what you are offering can, in fact, be accepted by your Mortgage Lender.

It is crucial that you are careful to ensure that your proposals are realistic so that they can be met and maintained. Often, Homeowners panic and make offers of repayment which they almost immediately fail to maintain. When this happens, your Lender will claim it is a broken arrangement and will use this against you in any future court hearings.

The Repossession Process
Repossession Expert

Discuss Your Options

Previously, we have defended hearings whereby a Mortgage Lender has claimed as many as 18 broken arrangements, making the Homeowners payment history appear to be very poor. In reality, the Homeowner had a relatively small amount of payment arrears and often, the ‘broken arrangement’ was simply a payment that was a few days late. We were able to correct the perception the Mortgage Lender had painted for the court, and consequently, the court order was suspended on affordable terms for the Homeowner.

It can prove to be quite difficult for a Homeowner to achieve the result they need through direct negotiation with their Mortgage Lender without professional help. Certainly, if you have failed to maintain a previous agreement that was made under negotiation. Your Mortgage Lender will almost always want more.

Therefore, you must be sensible in terms of negotiation, especially when your Mortgage Lender refuses your first attempts. Offering more money or lump sum payments is not the solution. Your Lender may be pushing for a Court Hearing or eviction no matter what you offer. If you have reached this stage, you need to contact us to discuss your options.

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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