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Frequently Asked Questions

I have been given a court date, How can Lender & Court Services Ltd Help?

Being sent a court date means that your mortgage lender wants to apply to the court for a Repossession Order at a court hearing. The outcome of this court hearing is dependant on the individual circumstances of your case. However, if you have fallen on hard times, and now you are getting back on your feet as long your case is presented clearly and you can prove that you have an income and can afford your normal mortgage plus a small amount towards the arrears, it is likely a suspended possession order will be granted with a first hearing.

Is it too late for Lender & Court Services Ltd to help me if I have been sent a Possession Order?

It is never too late for Lender & Court Services Ltd to help with your home being repossessed , but you need to call Lender & Court Services Ltd straight away. The longer we have then the more chance there is of saving your home.

Can Lender & Court Services Ltd Really save my home?

Mortgage and Secured Loan Lenders see repossession as a last resort and there are many ways that you can avoid repossession. regardless at what stage of the repossession process you are at, Lender & Court Services Ltd can help.

How quickly can Lender & Court Services Ltd stop Repossession?

Mortgage and Secured Loan Lenders see repossession as a last resort and there are many ways that you can avoid repossession. regardless at what stage of the repossession process you are at, Lender & Court Services Ltd can help.We have stopped repossessions where it has been literally the day before the repossession is due to take place. The more notice that Lender & Court Services Ltd get then the longer we have to draft your case, brief our specialist law firm, organise an emergency hearing and book your representative for court to get the repossession stopped.

What is the last point Lender & Court Services Ltd can stop my Repossession?

Lender & Court Services Ltd can stop a Repossession up to the day of the eviction taking place, depending on your circumstances however you must talk to Lender & Court Services Ltd as soon as possible.

What is a Suspended Possession Order?

A Suspended Possession Order is when the court rules that you have agreed to a payment schedule with your mortgage lender in court. This means you will pay your usual mortgage payment plus a small amount each month towards your mortgage arrears. If you break this court order then your lender can re-apply to court to continue with the repossession process, and it is likely that the Judge will not be as understanding and may rule in favour of the lender, depending on the circumstances.

What are mortgage arrears?

If you fail to make the monthly repayments on your mortgage you will go into arrears. If you do nothing about this your Mortgage Arrears will eventually lead to your mortgage lender applying for Repossession Order from a court, so that they can serve an Eviction Notice. If you have mortgage arrears then it is essential that you deal with them straight away and make this your priority.

What can Lender & Court Services Ltd do to help with my Mortgage Arrears?

We provide a specialist service that tackles the issue directly. We will take a full and detailed account of your circumstances and provide guidance during this stressful time. We have a team of experienced advisors who will explain the process that we will go through in presenting a case to your Mortgage Lender. Our service should stop all further legal action and give you the peace of mind that you can keep your home and pay any arrears off at an affordable rate.

Should I take a loan to pay off my Mortgage Arrears?

Firstly, in this financial market if you have mortgage arrears it will be very difficult for you to get a new loan. You could try, but an expensive loan on a high interest rate tends to worsen the problem, by adding more pressure and may increase the chance of your home being repossessed.

Mediation & negotiation

Lender & Court Services Ltd have quickly become a recognised brand in dealing with people with mortgage arrears or facing repossession. We deal with Lenders every day in presenting our clients cases and establishing agreements to pay arrears over time, with a manageable and affordable payment arrangement.

It is always much easier to reach agreement with a Lender prior to any legal action and arrangements can be put in place more quickly.

Trust us to save your home

Call us now for a FREE review of your case on 0345 5484 345

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