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HOW TO STOP REPOSSESSION WITH US
It's not too late, even hours before an eviction, to act to stop repossession. We work quickly with you to find the most suitable solution to suit your goals and situation. We act very quickly. We understand you'll be facing difficult decisions about your home. We treat each situation sympathetically, and know that everybody's case is unique.
Don't give up if you can't reach an agreement with your mortgage lender to save your home. We can keep you living where you are.
Remember, a call to us is free. We don't charge any fees whatsoever for any valuations or for assessing your situation at all. We'll also cover legal fees (of up to £500) so you can be represented by lawyers to help buy you more time in your home.
Here are the 3 ways we help many people stop repossession:
Repossession - 1) A Straight Purchase
We buy your house quickly. This avoids repossession along with a credit black listing and a repossession registry entry which nobody would wish for. If you raise sufficient funds to clear your mortgage account, any surplus equity can be released as cash for your immediate use. This can go towards a new house, rental deposit, or simply help you get back on your feet to use as you wish.
Repossession - 2) A Sell and Rent Back
We can buy your house, and rent it back to you at the market rate, sometimes we can even agree a reduced-rent period if on a short-term basis, giving you the time and breathing space you need to clear other debts.
Repossession - 3) A Sell and Rent Back with an option to buy back
In addition to renting your home back to you, you also have an option to buy back your home should you want, for an agreed price when your situation improves. Remember you're not under any obligation to proceed when we make you an offer. Our aim is to help find a mutually beneficial solution for both of us.
We strongly recommend that you contact us as soon as possible so that we can examine your situation and try to put together a solution to save your home.
ARE YOU FACING REPOSSESSION?
If eviction proceedings have been issued against you, it's not too late to act! We can still stop an eviction hours before the bailiff is scheduled to repossess, and find a solution for you to stay in your home.
Repossession - Don't give up!
Once you have fallen into arrears, it is extremely difficult to get yourself back onto a sound financial footing. Even if you have lost all hope of avoiding eviction you shouldn't give up, we can provide a range of solutions to help. We can stop your eviction!
Repossession - Act quickly before it's too late
Most people assume that because their lender won't listen, or the courts don't help - eviction is inevitable. Our representatives are experts in resolving repossession issues. We can intervene and provide a solution to allow you to stay in your home, whether you are many months behind with your mortgage, or eviction day is imminent.
Repossession - Help is at hand
We can get eviction lawyers to act on your behalf. They will fight your corner with the lender in court to secure your position. Our service is completely free, there will be no legal bills. We make sure your house does not get repossessed. We stop your eviction from happening.
Repossession - Stop eviction and stay in your home - sell and rent back
We clear your arrears by offering a quick house sale - clearing your mortgage and releasing equity for your use. Many clients choose to sell their home and rent back. Would you like to sell your house, stop an eviction, release equity and stay in your own home? Our sell and rent back solution is gaining much popularity. You don't have the stress of moving home and you don't get evicted! Your friends and neighbours do not even have to know about your arrangement. You stay in your home for as long as you want!
REPOSSESSION - FREQUENTLY ASKED QUESTIONS
We hope the answers below answer your questions. If there's anything else you'd like to ask us simply call us on 0208 123 1532 (lines open 24-hours a day).
Repossession - I've got a court hearing but I can't attend. What should I do?
Wherever possible, make every effort to attend. If you have a joint mortgage, only one party need attend. Your home is at risk - so making yourself available is paramount - If you absolutely cannot attend, set out your position in writing, and confirm to the court what you would like to do.
Repossession - Do I need a lawyer to attend Court?
No. You can get one, but they are expensive - typically £130-175 per hour + VAT. This money is often better spent in an offer to repay the arrears. Some courts have Debt Councillors available at repossession hearings (some Citizen's Advice Bureaus provide this service) who can help. Ask the court usher upon arrival.
Repossession - The Court has made an order for possession / eviction. Is there anything I can do?
Yes. You can contact Capital Homebuyers to see if we can structure a solution.
Repossession - How quickly can Repossession be Stopped?
Depending upon the circumstances, we can stop repossession right up to the date of eviction. However we strongly recommend that you contact us as soon as possible so that we can examine your situation and try to put together a solution to save your home.
Repossession - If I hand back the keys - Is that the end of the matter?
No. The lender will sell the house. If there is a shortfall, the lender can recover this from you for up to 12 years (5 years in Scotland). Also, you will be responsible for ongoing mortgage interest payments until sale and all sale costs. This will include locksmiths costs, solicitors fees on repossession and re-sale, surveyors fees, estate agents fees and utility bills.
Repossession - Will my credit rating be affected?
Yes. If you are repossessed a County Court Judgment will be registered against you which will remain on the Register of County Court Judgments for 6 years. The lender will also register the repossession on the Council of Mortgage Lenders register which will make obtaining a future mortgage very difficult.
Repossession - Do Capital Homebuyers make any charges for their service?
No. Not ever, guaranteed. If put forward a solution to save your home. The costs such as survey and legal fees are covered by ourselves.
Capital Homebuyers can stop repossession, stop you facing repossession, house repossession and property repossession. Is your house in repossession, If so Capital Homebuyers will help you very quickly and we act quick. Avoid repossession and home repossession, Capital Homebuyers are repossession specialist company and operate throughout Essex, Londonand the UK.