Home repossession
Before your case goes to court
What your mortgage lender must do
Before a mortgage lender can repossess your home, they must:
- tell you how much you owe
- consider a request from you to change the way you pay your mortgage
- respond to any offer of payment you make
- give you reasons for turning down your offer of payment within 10 days
- give you a reasonable amount of time to consider any proposal they make
- give you 15 days바카라 사이트™ written warning if they plan to start court action
- tell you the date and time of a repossession hearing
- let your council know within 5 days of getting notification of the date of the court hearing, in case you need to apply to the council as homeless
Finding a solution
Even if your mortgage lender starts a court action, you may still be able to reach an agreement with them.
You바카라 사이트™ll still need to attend court to tell the judge about the agreement, unless the court tells you the hearing바카라 사이트™s been cancelled or postponed.