Solicitors Instructed

How can we help? Request a callback

The First Step

The first step is a letter from your Mortgage Lender threatening legal action or that they are going to instruct their legal team. Some of the bigger, and more aggressive Lenders have an in-house team, other Mortgage Lenders will outsource to a specialist firm of solicitors.

How your case is progressed in terms of speed is down to the specific lender or legal firm handling your case. In some cases, there will be a new opportunity to negotiate your position and come to an arrangement. However, as this stage, there has to be a solution to the circumstances, an explanation of your circumstances will not achieve a delay or much leniency.

The Solicitors or legal department will apply to the court to start possession proceedings. This is normally done online through the court’s system called Possession Claims On Line (PCOL) and is therefore quite streamlined. A Court Hearing is usually set approximately 6 weeks after the application has been made to the Court.

It’s Still Not Too Late

It is still not too late to reach an agreement at this stage. Your Lender may insist however that you negotiate directly with the Solicitors or legal team, so as to ensure that they do not agree to anything that will jeopardise their ability to achieve a possession order against you.

Importantly, you must exercise the same level of caution. You cannot afford to offer or agree to something like an unaffordable monthly payment or a lump sum payments that are going to stop you making future payments, because it can be used against you if your case proceeds to a court hearing.

At this stage of a case, we are very careful about what we reveal about your circumstances and what proposal is put forward to recover from your position. We will recognise which Lenders and Solicitors will insist on the court action proceeding and those that we believe we can convince to delay the court action altogether.

You can benefit from our decades of knowledge and experience. We can make the negotiation and result of the initial court action relatively painless. It is very important to understand the consequences of any action you might take, and we will be able to offer you a number of different avenues and what the consequences of each will mean for you. We need to make a full assessment of your individual circumstances and will be happy to do so if you contact us.

Find out more information about the repossession process by clicking on one of the links below

Repossession Court Hearings
Appeals
Possession Orders
Broken Court Orders
Lender Negotiation
Solicitors Instructed
Bridging Loans

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.

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, 2025

Very helpful advice given my term has expired but was given very good advice about my options & time frame

Ian Dunn
September 18, 2025

What 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, 2025

I 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, 2025

What 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, 2025

Exceptional 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, 2025

Ben 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, 2025

Having 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, 2025

Ben was amazing and always available at any time of the day. Helped within a few days

Adam Ahmed
May 1, 2025

HMS 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, 2025

We 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, 2025

Excellent, friendly, professional advice given

Stuart Kelf
April 14, 2025

I 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 good work HMS!

Sam Kamal
April 2, 2025

In 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, 2025

2nd to none service from Richard and team. Swift response with excellent advice & support. Warmest regards. Lee D.

Lee Duke
February 26, 2025

2nd 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, 2025

It'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, 2025

the 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, 2025

Just 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