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Lloyds - repossession likely


Frantic50
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Just a question to anyone who has had their home repossessed.

 

We sadly lost our home at a possession hearing on 24 July, somewhat unfairly, but I suppose that's my opinion.

 

We had a business loan that had been secured on our home and this turned out to be an all monies mortgage.

Judge didn't even make eye contact and we were not given any opportunity to state our case.

 

my question is,

should we not get some sort of paperwork from the court or bank.

We've had nothing and with the date to quit looming I though we should have received something.

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I would have thought the answer to your question, would be yes. I will alert Site team for you.

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threads merged

please keep to one thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you not ask the judge to ‘suspend the warrant for possession’. This means delaying the eviction or allowing you to stay in your home if you are able to make payments again.

 

A new hearing will be held but the judge won’t automatically agree to suspend the possession warrant – it depends what happens in court.

 

If you want to apply for a suspension, you should fill out the application notice and either send it or deliver it to the court.

 

You must tell the court that you need a hearing at short notice (before your eviction date). You’ll have to pay a court fee.

 

Andy

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  • 3 months later...

Does anyone know anything about voluntary surrender forms ?

 

We lost our house at a possession hearing in July.

 

We have now left our property and are renting.

 

The banks solicitor keep asking us to sign a voluntary surrender form.

 

Other posts I've seen seem to advise against it.

 

What does anyone think ?

 

Also,

does anyone know where we stand with regard to insuring the property.

 

I wrote saying we had left and that I assumed the bank were now responsible for insuring the house

 

their solicitor said that until the Bank has applied to Court for a Warrant of Possession and a Bailiff’s appointment had been made we were still responsible.

 

Any advce ?

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did you volunteer to hand it back?

 

I would not sign it as it must have implications,

take it you told them your new address?

 

also if you have any accounts with the back change banks and not tell them where you have gone.

other will respond also

 

Search Results

Surrendering A Property Due To Debt. StepChange Debt Help

https://www.stepchange.org/debt-info/surrendering-your-property.aspx

:mad2::-x:jaw::sad:
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If its been repossessed your not voluntary surrendering ?

We could do with some help from you.

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Probably to make you liable for any shortfall.?

We could do with some help from you.

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