Lender & Court Services Ltd’s objective is to help people with a legal service who have been issued with a Repossession Order or Eviction Notice from their mortgage lender or the court and keep their home safe.
We do this through a comprehensive fact find of your circumstances and go through a detailed Income and Expenditure analysis to ensure that your disposable income is sufficient for you to make your mortgage payments.
Once we have drafted your case we will appoint a trained legal representative to act for you in court and present your case to the best of our ability.
Our first task is to understand at what stage of the legal process you are at. Every clients situation is unique, so it is important for us to get accurate & relevant information about your circumstances. This will help our legal team decide on the best course of action for you.
We will ask you a number of specific questions, and perform a detailed income and expenditure analysis. Once this has been completed with our Legal Team will be able to recommend the best course of action for us to take.
If you have been given a date to attend court for a repossession hearing, then, as part of our repossession legal service, we will put together a proposal for your lender. The proposal will detail how you plan to make your contractual mortgage instalments, as well as making a further monthly contribution towards your mortgage arrears. If necessary, we will arrange for somebody to be with you at court on the day of the hearing to hold your hand through the process and to achieve the best result possible.
If you contact us after your mortgage lender has been granted a repossession order – we can still help.
By using our repossession legal service we can explain how you can set up an Emergency Hearing at your local County Court. Our objective is to clearly demonstrate to the Court that following a review of your financial circumstances through our repossession legal service you have been able to restructure your outgoings in such a way that you are now able to maintain payments moving forward. This can be done even on the day of eviction as long as we are appointed prior to the bailiffs appointment.
We will try our very best to help you. We have to be realistic about your financial circumstances, of course, if you can’t afford your mortgage payments or to contribute towards your mortgage arrears, then you may need to consider other options. For instance, if you were to agree to selling your home at a competitive market price that will clear the mortgage, any arrears and release equity, the court may allow you extra time to sell the property especially with cases where there is substantial equity.