Repossession. Very scary but unavoidable. Help & advice needed!

[jansus]

Hello

 

I know tawny owl has been through a lot so I am sure she has been helpful to you.

 

You say you are resigned to the possession so I guess you have explored all the possible help you can get from DWP and the mortgage rescue scheme( that has helped all of 6 people!) It is always recommended to trya and sell your house yourself if you think that is possible - but if there is negative equity and the lender is not co-operative that can be diffucult.

 

Reference some help have you tried Shelter?

 

Also these sites are quite useful

 

www.direct.gov.uk ( money and benefits section)

 

www.entitledto.co.uk

 

 

Reference the shortfall - you should make sure you keep in touch with your lender and let them know where you are going. Make sure they know you will need all information about how the property is marketed and a breakdown of all the costs.

 

for example I have seen cases where the borrower clears and tidies up etc then the lender charges them again.Take photos of how the property is left if possible. They will have to provide all the final breakdown and then I think obtain a judgement for the final figure - but they can not make you pay what you can not afford . At this stage you may need help from National debtline who may be able to help. sometimes the lender will come to an agreement on a reduced figure in return for regular payments.

 

But one step at a time.

 

Let us know that you definitely can not fight the eviction.

 

Then you should get some time after the warrant to sort yourselves out.

[jansus]

having never having been what you have i was not aware you did not get written confirmation of what is decided in these hearings, is that correct in all cases?

 

If there is a discrepancy I agree you should contact the court and explain that and ask for details of what was actually said.