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