We can help with
- Mortgage payment arrears
- Mortgage disputes
- Mis-sold payment protection insurance (PPI)
- Mis-sold loans and insurance
- Court papers for repossession cases
- Credit ratings
- Changes in financial situation
- Car repossession
- Caravan repossession
Repossession is a legal process which enables a lender to take possession of property due to unpaid debts once a Court order has been issued. In a bid to avoid the prospect of repossession you should attempt to keep 3 months worth of salary in a savings account, if you find you are struggling to make payments make sure that you contact your lender at the earliest opportunity.
If you do fall behind on loan repayments you must again contact your lender straight away, ignoring the problem will not make it go away, and steps such as remortgaging your home and debt consolidation could be an option. Repossession should be the last resort.
If you are taken to Court or receive Court papers you should contact our specialist repossession solicitors at the earliest opportunity as it maybe possible to save your home. During a Court hearing a Judge will assess the prospects of you repaying your mortgage and will also want to see you paying a regular monthly amount from your arrears.
There is possibility that repossession can be stopped any time before your home is sold by a lender. If your financial situation improves let your lender know straight away.
Our specialist dispute resolution solicitors are able to advise on all issues relating to consumer disputes. Whether you are involved in a mortgage dispute, or are looking to contest a car or caravan repossession, our consumer disputes team are here to help. We have years of experience in fighting for the rights of our clients. Our dispute resolution team offer fixed price advice with 30 minute appointments available from £79.95. Why not talk to us today to discover how helpful we could be?
There are a wide variety of consumer disputes which can arise from a mortgage agreement. A mortgage may have been mis-sold or the bank/lender may not have adhered to the terms and conditions of the agreement. Our team draw upon years of experience and unrivalled legal expertise to contest repossession and save your home.
The threat of losing one’s home is amongst the most stressful ordeals imaginable. It is an ordeal that affects entire families and unfortunately, it is an experience that more and more people in the UK are forced to go through.
Mortgage disputes are extremely complex and it is important to seek expert medical advice at the earliest possible opportunity. Homeowners in mortgage arrears might have other debts secured on their home which are placed at risk by a mortgage. That is why it is so important to contact us for help with a consumer dispute.
Car and Caravan repossessions
We can also offer fixed price advice on consumer disputes relating to loans and finance agreements secured on cars and caravans. Some of our clients have had their cars and caravans repossessed by a finance company because of the terms of a hire purchase agreement or consumer credit agreement, but with the right legal expertise and insight this may have been avoided.
Finance companies could face costly compensation payout if they take possession of your goods without your consent or a Court order and there are a number of options available to you in the event of a dispute.
Many caravan and car owners are unaware that, under section 90 of the Consumer Credit Act 1974, if they have paid more than a third of the total cost of their vehicle as part of their hire purchase or conditional sale agreement, their goods become protected. As protected property, the lender would have to issue court proceedings in order to obtain a court order against the debtor and force them to return the goods, in the event that no proper consent is obtained.
At Stephensons, our finance dispute specialists can assess your case and provide no nonsense legal advice regarding your finance issues. All we need is a copy of your credit agreement and a full statement of account and we can provide a straightforward assessment of your circumstances.
We understand how traumatic and stressful the prospect of losing your property can be and we are here to help you ensure that this does not happen.
Talk to Stephensons consumer disputes team today to discuss your circumstances and find out if you have grounds to make claim.