Possession Claims & Mortgage Arrears

If you have a mortgage and you fall behind with your mortgage payments, your lender may decide to repossess the property.

Mortgage lenders – ie the bank or building society – are able to repossess mortgaged homes because once a mortgage is agreed and the monies are forwarded, the lender takes a charge on the property. This means that they have a right over the property and will hold the deeds until the mortgage is paid off.

Whether your mortgaged home is freehold or leasehold, a mortgage lender can do this if you have fallen into mortgage arrears – and may issue a claim for possession of the property if you are unable to pay the arrears and continue your mortgage payments.

If you have received notice of a repossession order against you, taking legal advice from a specialist housing solicitor dealing with mortgage repossession is the only option to try and save your home.

LAWTEC Solicitors possession claims solicitors regularly advise clients on mortgage possession claims – including cases where homeowners may not be able to pay the arrears or cannot continue with the mortgage agreement.

In these cases, unless a homeowner takes legal advice, they may find themselves not only losing their home, but also homeless after eviction.

LAWTEC Solicitors can advise on the options available for remaining in your home if you have fallen into mortgage arrears – which is sometimes possible if you agree to certain conditions with your lender – and can help negotiate with the lender on your behalf.

LAWTEC Solicitors can also advise on dispute resolution and mediation in mortgage arrears repossession cases.

If you are already on the verge of losing your home and being evicted, LAWTEC Solicitors can take swift action to help you – and can also advise on applying to the council to be housed if you are already homeless (for example, you have lost your home and are staying on a friend’s floor).

If you feel that your home might have been repossessed illegally – for example, you have paid the mortgage and the service charge but have still been evicted or the freeholder has taken possession of the property, contact LAWTEC Solicitors for expert legal advice on illegal eviction.

LAWTEC Solicitors also advise landlords on alleged illegal eviction of tenants or leaseholders.

LAWTEC Solicitors

LAWTEC Solicitors is an independent law firm, who’s aim is to provide their clients with the highest standards of legal expertise together with exceptional customer service. We are a modern and progressive firm supporting our clients with direct lawyer contact, no hidden costs, specialist advice and free initial assessment.

Our main objective has always been to provide quality and efficient legal services together with expert advice and representation to our clients all over the world.

Interpreting the law can be a minefield, more so when it concerns a very new, or niche or particularly complicated matter. To help our clients navigate the law and achieve the best possible outcome, our legal team includes solicitors who specialise in many different areas of law and business sectors.

Each lawyer’s chosen specialism reflects their experience, in-depth knowledge and passion.

At LAWTEC Solicitors, we have specialist experience in all areas of Motoring Law/Immigration Law and Commercial leases and can provide our assistance in these matters with a free initial assessment to help you along the way.