| Everybody knows that a mortgage is a big | | | | till it's too late! |
| financial commitment and we know how | | | | |
| unpleasant it can be when it all goes wrong. | | | | They also give housing advice, in terms of |
| Everybody knows someone who has lost their | | | | your rights under housing legislation. If you |
| house or, worse, it happened to you. A | | | | have already lost your home and have young |
| decision made under pressure, is often a | | | | children, are sick or disabled or are |
| wrong decision and that could make things | | | | elderly, then you may be entitled to |
| worse. For example, some have let themselves | | | | assistance from your local council. You may |
| be persuaded to sell their home at a very low | | | | become entitled to housing benefit or are |
| price. | | | | entitled to some other form of help. |
| | | | Professional help might just save your life . |
| Arrears and debts are the most familiar | | | | |
| causes for a home repossession. For thousands | | | | Remember that taking action early is a key |
| of people this is a daily occurrence. | | | | factor in averting disaster. So, to get a |
| Illness, death and injuries are other reasons | | | | fresh start and prevent the court appointed |
| for falling behind with mortgage payments and | | | | bailiffs coming to your home, contact the |
| any other debts become a burden. In these | | | | right people and organisation! NOW! |
| situations, time truly is money. Making | | | | |
| things right again takes experience, advice, | | | | Speaking about the bailiffs, they can |
| commitment and strong connections. Things | | | | physically remove you from your home. They |
| need to get done quickly and efficiently - a | | | | can use necessary force too enter the |
| family is about to loose their house and with | | | | property and can remove anyone living there. |
| it, maybe the rest of their happiness. | | | | But there are many people who don't know |
| | | | under what circumstances these things should |
| For all of us, life is very precious and we | | | | happen and how bailiffs ought to handle the |
| don't want sudden upheavals to destroy it. | | | | situation. Till you get some repossession |
| Ignoring the signs will not make the problem | | | | help or advise, we want to offer you some |
| disappear. Not taking action early enough is | | | | information about this, because it can |
| sure to end in the loss of your home. Do not | | | | happen... tomorrow. The bailiffs have to act |
| take a risk that will harm your credit rating | | | | reasonably and mustn't use unreasonable |
| and destitute you and your family. | | | | force. The locks will normally be changed to |
| | | | ensure you can't get back in, even if you are |
| Get some help immediately! There are | | | | not in the property when the bailiffs arrive. |
| reputable firms of solicitors who will advise | | | | If they think you might try to stop them from |
| you on matters such as how to stop any | | | | getting in, they can ask the police to be |
| repossession proceedings or help you find | | | | present, in case there is any disturbance. |
| suitable alternatives that meet your needs | | | | The police aren't allowed to help the |
| and the needs of your loved ones. There are | | | | bailiffs with the eviction, but can and will |
| also non profit making organisations set up | | | | arrest anyone who is violent. |
| to stop unscrupulous sharks buying your home | | | | |
| for cheap with a pretence of selling or | | | | It is hard facing bailiffs and facing up to |
| renting back to you. You can contact them at | | | | your problems takes courage. The first step |
| anytime and settle a first meeting (you might | | | | is often the hardest part! Get some help to |
| get a free consultation), just don't wait | | | | keep your home and stop repossession! |