House Repossessed - What Can We Do Now?

[chris2008a]

Hi

 

My fiances parents house has just been repossessed...

 

They did pay some money to nationwide, who adv that the repo would not go ahead, however the court was not informed, so the repo went ahead while no one was at the property, so there whole life in the property is basically gone. wedding photos, childhood photos, etc etc. They have had a short visit to the property and were able to get just afew clothes etc in the 5 mins that they were allowed while the baliff was present.

 

I can understand them not allowing her parents to take things like the tv etc, but what about things like photos that are of no real value to anyone else. clothes, stuff like that.....

 

Can anyone please help, or give any advice on what they can do next. is it possible they would be able to some how get the propert back? or get possesions out of it?

 

Thanks

 

Chris

[caro]

Have they been back to Nationwide and asked them why they didn't stop the repo?

[chris2008a]

they said it was his responsibility to ring the court to tell them to communicate with nationwide, and the baliffs. but he did not as he was not aware he had to.....

[caro]

It seems rather odd that bailiffs should be taking their instructions from the people they're evicting. Did they go in to NW or just ring? I think I'd be in there kicking up stink.

 

Do they have anything in writing confirming the eviction wouldn't go ahead?

 

Have they got somewhere to go, and what have they done so far?

[newstarter]

This case raises more questions than answers what we need here is brief history of what led up to these proceedings taking place.Your fiances parents do have a chance of getting this sorted out and getting back into their home but they need to act fast,a brief history please as soon as you can.

[chris2008a]

as far as i know they went into NW. they have had nothing in writing to say that the eviction would not go ahead.

 

they have been able to get access today, and they are letting them take more stuff out the property.

 

i think they been in arrears for quite a while, sorry i can't be anymore helpfull in giving more info on the history. what do u want to know?

 

thanks

[newstarter]

For a start,how much arreas are they in.

Did they have an agreement with N.W

Was there a suspended possession order on the house

Have they defaulted on any agreement,Just a history of the mortgage itself,the terms of the mortgage,arrears and any court order or suspended action.

[newstarter]

Maybe your fiancee might know,if so post as much info as you can.

[caro]

Maybe the payment wasn't enough or they missed another payment.

 

If they haven't done so already it could be worth them contacting Shelter and also the local council.

 

Obviously they want to save the house if they can, but I fear it may not be possible so they may want to look ahead.

 

This thread has a lot of information which may be helpful for them including links and contact details for useful sites and organisations.

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/142793-tilly-mortgage-express-repo.html#post1499490

[newstarter]

Sounds about right Caro,i have known people get the keys back after eviction,i was hoping maybe a mix up between the courts and bailiffs office or N.W and the courts,this does happen sometimes,and i have helped a couple of people get their home back after eviction,however your probobly right its just so frustrating when you only get a fraction of the story.Hope he gets back and posts on here soon.and yes Caro they might want to look ahead ,after repossession renting isn,t a breeze either

[caro]

It isn't a breeze and can take time. I hope very much they can get their home back though and it's nice to know that it can happen.

[chris2008a]

hi

 

sorry i don't have the full storey etc, i do know it was over 10k from what i have been told. dunno if they had been given a payment plan, i do know he went to court for something... but dunno what? they have been given 7 days to get everything out of the house so at least they have that.....

[newstarter]

Mmmm,looks like they may have defaulted on an agreement with their lender.He may have gone to court to attempt to get the eviction order suspended,but with over 10k arrears he would have had to have put forward a strong case.