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Solicitors Instructed2019-06-06T10:52:53+00:00

Solicitors Instructed

At some point, while your arrears increase, Your Mortgage Lender will make the decision to start a court action against you. Most Homeowners will have reached this stage by the time they seek assistance from a professional firm like ourselves.

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 Is 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.

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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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