House repossessed by Oakwood Homeloans because of confusion, can we get it back?

[Ell-enn]

You are going to complain aren't you ! that's not what you paid for and not the solicitor you were promised

[Danny321]

Damn right I am, I'm just waiting for the lender to call me back so I can collect keys

[northernbloke]

Going to Court – Revival Repossession Solutions Can Help When we arrange to go to court we will first take a detailed understanding of all your circumstances and we will build a case for you to keep your home. We will draft a full set of documents for you. We will instruct a specialist court advocate to act for you in court and present your case. The hearing will only last about 10 minutes and this is why we must be very well prepared for the case. The Judge will hear what our case is and we have one chance to make sure that we give him all the information we can to ensure as much as possible that he accepts our case.

 

Revival Repossession Solutions Can Look After You in Court

The court experience is a stressful process and can be very daunting – That’s where Revival Repossession Solutions can help by providing you with a well prepared legal representative to hold your hand through the process and make sure that your case is presented professionally. It can be a very emotional experience and by looking after you in court we make the process much less painful.

 

It doesn't look like they did what they say they will do. Get a complaint in and ask for a refund!

[Desperate Daniella]

Bearing in mind they specifically said they were sending "a solicitor" you should definitely ask for a refund.

[Ell-enn]

These sort of firms will draft a basic statment for court (which you can get help for from this site, CAB or Shelter for free!) then send in some legal rep to hold your hand - the extortionate fees for writing a statement should be used to pay towards the arrears which would strengthen any repossession case.

 

It's making money out of people's misery if you ask me

[Lea_HTH]

Excellent news. It was manifestly unfair that the mortgagee behaved in the way that they did, so only just for the court to allow you back into the property.

 

I am disappointed that for such a serious matter this 'business' sent an agent rather than someone with direct and relevant experience of re-entry after possession. It is disgraceful that they are charging £495 in the first place for something the occupier could do themselves, but to actively state they were sending a solicitor when it was clear they would choose the cheapest option (agent is around £50-70 at most), is beyond reprimand.

 

The work they do is available for free here on this forum, and in many county courts across the land where duty advice schemes are run. I wish people would seek assistance sooner rather than later - as these firms prey on those who find themselves with nowhere to turn (or so they think) at an hour of desperation and are taken advantage of.

[Ell-enn]

Excellent news. It was manifestly unfair that the mortgagee behaved in the way that they did, so only just for the court to allow you back into the property.

 

I am disappointed that for such a serious matter this 'business' sent an agent rather than someone with direct and relevant experience of re-entry after possession. It is disgraceful that they are charging £495 in the first place for something the occupier could do themselves, but to actively state they were sending a solicitor when it was clear they would choose the cheapest option (agent is around £50-70 at most), is beyond reprimand.

 

The work they do is available for free here on this forum, and in many county courts across the land where duty advice schemes are run. I wish people would seek assistance sooner rather than later - as these firms prey on those who find themselves with nowhere to turn (or so they think) at an hour of desperation and are taken advantage of.

 

Absolutely agree Lea !

[Ell-enn]

Danny, did they actually write a statement for you for court?

[Desperate Daniella]

And of course they were quite obviously stringing Danny along all day yesterday by not providing the name of the "solicitor" until late in the day, and clearly he wasn't one anyway which I think we all suspected. If he had been a genuine solicitor Revival would have provided the name of his firm.

[Danny321]

Danny, did they actually write a statement for you for court?

 

Nope he didn't have anything written, only the paper work I sent him

[Danny321]

He was an advocate, I think is the term he used

[Danny321]

The advocate was a George Galloway look a like

[Desperate Daniella]

He must be moonlighting......

[Danny321]

Lol,

 

At the hearing when the judge said the lender was in communication with me throughout Monday and up until the eviction they never mentioned the final proof they want (to redeem the mortgage) the lender solicitor said at 1015pm when I was told that I had enough time to go to court and put an application to the judge, when has 15 mins been enough time to do that... They still denyed the fact that they misled me with false information

[Danny321]

The only down fall to this is I still probably be liable for the charger that occurred due to the locks changed etc

[GenaLyn]

The only down fall to this is I still probably be liable for the charger that occurred due to the locks changed etc

Hopefully Revival will pay you back. They should do for misleading you. they're disgusting IMO. Would the OFT and Financial Ombudsman help with such a thing?

If you get a refund Danny, it'll help towards the locks. Tbh I'd be tempted to change them myself though if I were you just in case the lender has 'accidentally' kept a set, but then I've a very suspicious mind.

So pleased for you

[Danny321]

Revival are saying the case was successful even though I done most of the arguing, good idea about the locks il change them.

[Ell-enn]

Revival are saying the case was successful even though I done most of the arguing, good idea about the locks il change them.

 

The case might have been successful - but it wasn't due to anything they did !

[Danny321]

Yes that's what I said

[GenaLyn]

Yes that's what I said

Disgusting company! Chalking it up as their success, How dare they? Surely you can go further with this based on them blatantly lying and saying they'd "prepare a draft and send a solicitor who is very experienced in repossessions" such total BS IMO. I wouldn't be 100% happy until having taken them down a peg or two. They're making a fortune out if this and people put their trust in them. Luckily you found sound advice here.

At least your nightmare is over and I hope you're settled back soon.

Gena

[Danny321]

The advise on this site helped me win the case as I was kind of on my own in there, anyways all is well and I'm very greatful from the advise I was given, thanks alot guys

[Danny321]

It always makes me sad when I hear that these type of companies charge people such large sums of money for something they could do themselves (applications to stop eviction or defend possession) - that sort of money would be better used against arrears. These people are no better at this sort of thing than Shelter or some CAB centres.

 

 

 

If I had charged that sort of money for all the repo and eviction defences I've done, I'd be extremely rich.......

 

 

 

Home repossessed agin due to illness, I am willing to pay 20k and my monthly payment on a weekly basis, I went to court on the day of the eviction but the judge refused and sided with the lender, now I have raised 20k from my sons and the arrears are 11k is there anything I can do?

[citizenB]

Most advisors in this forum have day jobs so will be along as soon as they can.

[Lea_HTH]

I think you'll have to accept that this time the house is gone.

 

You should have come online sooner than after the possession had taken place. Last time was a fluke due to the circumstances and the lies of the mortgagee - this time your circumstances are different. I doubt you'll be able to get back into the property.

 

If you were to try - it would be using the exact same procedure as before.

[Danny321]

If I'm in a position to pay 20k that's clears the arrears of 11k and puts the account is credit of about 8k, is there anything I can do via the courts because lender refused that 20k offer