HELP: Reposession notice received

[LostThePlot]

OK,

Just got in and opened the post and we have a repossession notice served. Not quite sure why as the mortgage is paid by Standing order, and has been for the last 24 years. We've no money problems, all was moving along smoothly, so we thought...

Now I know I need to call them up and ask what it is all about, this is the first communication we have had with regard to any problems, but needless to say i'm a bit worried!

So, can anyone recommend a local solicitor to assist in this matter please?

Not quite sure I'm going to be able to sleep tonight. :-(

[IlonaM]

What a horrible shock to come home to.

First, and I know this might sound odd, have you checked the letter to ensure all the details correspond to you, your mortgage lender, loan references, address etc.? Mistakes can be made and letters generated.

Secondly, the Law Society has a lawyer finder tool on its website which might be helpful: http://solicitors.lawsociety.org.uk/?Pro=True

Locally, Glazer Delmar have a property department, but I don't know if they defend repossessions.

In the meantime (over the weekend), do you have any legal advice services attached to your home insurance? If so, you could initially give them a call and get some advice and reassurance from a lawyer over the phone.

I hope you sort things out soon and without too much stress.

[Peckhamgatecrasher]

You may find some helpful information on this site:

http://www.moneysavingexpert.com/mortgages/mortgage-arrears-help

[LostThePlot]

Thanks IlonaM,

I'm a little calmer now, so thinking a little straighter too!!!

Taking a calm and pragmatic approach, while my wife is contacting the bank today.

Thanks for those words, much appreciated.

I've also had a private message that has told me some steps to take to delay the process to give time to understand what has happened here.

LTP

[IlonaM]

Hi LTP,

'Calm and pragmatic' sounds an excellent approach!

The more information and records you can muster the better in case the bank doesn't back down and you need to go further.

I was wondering whether it might be an idea to check Experian and the other credit agencies to make sure there is not a fraudulent or mistaken charge/debt against your home.

Wishing you both all the best,

Ilona

[LostThePlot]

IlonaM Wrote:

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> Hi LTP,

> I was wondering whether it might be an idea to

> check Experian and the other credit agencies to

> make sure there is not a fraudulent or mistaken

> charge/debt against your home.

Thanks, a good thought. Will do that now.. GULP!

[IlonaM]

I'm sure there won't be any surprises, but good to cross it off the list!

[PeckhamRose]

I am sure it was on a Radio 4 money advice programme someone suffered this and the house they thought was their's had been sold without them even knowing it. You got an early (lucky?) nod to a problem. You have done nothing wrong, tell everyone, CAB, Law Society and as advised above, but yes, what a shock! (Hope you are otherwise well x)

[LostThePlot]

Let's hope the house hasn't been sold eh!!!

FFS, enough sh*t in the world to deal with without this too.... :-(

[IlonaM]

Keep that calm and pragmatic approach of yours LTP!!!!

You could always give the Land Registry a ring tomorrow to make sure nothing untoward has or is happening on the property front.

Thinking good thoughts and all power to your elbow!!

[LostThePlot]

IlonaM Wrote:

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> Keep that calm and pragmatic approach of yours

> LTP!!!!

I'm trying....

> You could always give the Land Registry a ring

> tomorrow to make sure nothing untoward has or is

> happening on the property front.

Sorry being dim here, or stressed, can you explain what you think may have happened in that scenario?

[IlonaM]

Sorry, I didn't mean to stress you out further. I was just following on from Peckham Rose's thought about the case on Money Box. Any sale of land/property has to be registered at the Land Registry. Checking that the details held at the Land Registry are still correct is a way of removing that worry.

You could do a search online [https://www.gov.uk/search-property-information-land-registry] if you prefer, but I'd be tempted to call for a chat.

[LostThePlot]

IlonaM Wrote:

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> Sorry, I didn't mean to stress you out further.

Other things have, not you though!

> You could do a search online if you prefer, but

> I'd be tempted to call for a chat.

I'll do that tomorrow.

Thanks once again.