court date yesterday for house repossession, how do i know outcome??

Re: court date yesterday for house repossession, how do i know outcome??

are you serious about this? i wouldnt know where to start with the boiler plus its about 25 years old!! lol

You could be accused of converting* the lender's property - for what?
A few quid?
Wood laminate, duff carpets, all cut a certain way?
Recoup your losses by making the proper complaint.

*interfering with the ownership rights of

[PlanB]

Re: court date yesterday for house repossession, how do i know outcome??

Maybe a combination of both approaches because the lender cannot be held responsible for the condition of the property (such as damp and mould) in the same way a Landlord can be made to, because in a rental situation the Landlord has to maintain it but with home ownership it's up to the owner to maintain it. By the time the OP makes her complaint to the FOS (4 months after the repossession) the property will have been sold at auction and there will be no evidience left of the condition of the house when the bailiffs came knocking

Re: court date yesterday for house repossession, how do i know outcome??

OP's house is being repossessed by the lender, a Financial in$titution. Such outfits are directly or indirectly responsible for so much misery and grief including lots of bankruptcies, repossessions, business failures and loss of income caused by the global financial cri$i$ caused by them! :mad2: :mad2:

This may well be the case.
My circumstances have been disturbed hugely by Welcome Finance, who stole £250m from the UK public.

Some tribes get together on a day and build a house for a member. They find the materials, and pitch in for the labour.

I'm wondering if, in our 'modern' society, some of these mortgage possession cases engage human rights. I've not heard of anyone doing this, and whilst I have sympathy for the lenders, people being turfed out of their homes is not the answer - especially if the institution does indeed have far more wealth than them. In that case, there should be an assessment of relative interests. The 'home' is, after all, a financial and psychological asset.

In this case, however, the balance may have tipped the other way.
It sounds like the situation was too much, Laurieloo.
Please keep us updated.
I wish you warm, safe, comfortable and happy home, with good, sound structure and no mortgage lender, for now.

Re: court date yesterday for house repossession, how do i know outcome??

If you feel the Bank of Ireland has not treated you fairly with your mortgage (because that's what it sounds like to me) you can still make a complaint about them

I'd go for this and NOT strip the property, to give your complaint a better chance of being heard properly. Take some photos so you can prove you DIDN'T wreck it before leaving. The pics will also show the difficulties you were suffering with the structure, and if on top of this your lender was treating you unfairly, the ombudsman will see how life has been for you.

That way, you get shot of the nightmare property, the nightmare lender, presumably the nightmare debts, and as planb says, maybe get some money in 4 months.

<phew!>

[PlanB]

Re: court date yesterday for house repossession, how do i know outcome??

it was Bank of Ireland, it was formally bristol and west and then bank of ireland took them over a few years back. I did ask them to consider helping me with a payment break, a drop in interest temporarily as i was paying 6% fixed interest, suggest letting me remortgage on a better rate to no avail, maybe if they had helped me in the first place i wouldnt be at this point!

If you feel the Bank of Ireland has not treated you fairly with your mortgage (because that's what it sounds like to me) you can still make a complaint about them even though they've repossessed the property. I would wait until you're discharged from your BR in four months time so that any compensation you may receive will go to you and not your other creditors. Follow the bank's formal complaints procedure all the way to the Ombudsman who takes a hard line on the way borrowers are repossessed unfairly:

http://www.bankofirelandmortgages.co...spx#complaints

[PlanB]

Re: court date yesterday for house repossession, how do i know outcome??

Can I really do all that? Strip the floors etc? and wold peole really buy this on ebay or where could i find a dealer?? From a house clearance tpe of business?? There is laminate wood flooring in livingroom, kitchen and upstairs bedroom, the carpets are naff to be fair. but the light fixings are all stuff i bought and installed as ironically when i bought the proprty 5 years ago it was a repossession and was in a terrible state! We had to clear out the previous owners belongings! I dont want to get in trouble with my official receiver over doing any of this.......

On reflection ebay would be a bit too *visible* even HMRC trawl it to catch people trading and not paying tax. I would look in the classified ads pages of your local paper and contact all those house clearance people. Also you'll find removal firms tend to know of companies who will come round and collect stuff. Do you live alone or do you have a partner or family friend who would help collect the cash on your behalf so as not to complicate things with your OR

Anything you don't want or can't sell can be given to Freecycle who pass it on to those in need however shabby the item (as long as it's not dangerous!). I wouldn't leave anything behind for your rotten lender :rant: Here's the Freecycle info:

http://www.uk.freecycle.org/

[Laurieloo2]

Re: court date yesterday for house repossession, how do i know outcome??

The court will send the possession order in the post to your current address in about five days time. You will have been given at least 14 days before the lender can apply for an Eviction Warrant which will usually give you 5 days notice of any bailiff coming round. I would ring the court and ask to speak to the bailiffs' office to see if a date has been set. Believe it or not they are usually helpful Always explain if you have any children living in the property or if anyone is old or sick. Here's some reassuring info:

http://england.shelter.org.uk/get_ad...y_the_bailiffs

There were more answers on your other thread but maybe they were too late Here they are anyway:

http://www.legalbeagles.info/forums/...801#post320801

If it was me I wouldn't be in any hurry to give anyone your forwarding address when you finally pack up and go :wink: And I would take everything with you, and I mean everything. Most lenders expect to find the property has been stripped of all carpets, light-switches, fire places, kitchen cupboards, bathroom suites etc. These are your possessions and you're entitled to them - you can always sell them quickly to a dealer with a pick-up truck or put them on ebay

Can you name and shame the lender who's done this to you ?

it was Bank of Ireland, it was formally bristol and west and then bank of ireland took them over a few years back. I did ask them to consider helping me with a payment break, a drop in interest temporarily as i was paying 6% fixed interest, suggest letting me remortgage on a better rate to no avail, maybe if they had helped me in the first place i wouldnt be at this point! The house has given me nothing but grief over the last 5 years, have had constant repair work for damp proof coursing, condensation problems etc that always return. The house is already in disrepair with mould and damp problems EVERYWHERE!

[Laurieloo2]

Re: court date yesterday for house repossession, how do i know outcome??

Sell the slates off your roof and any lead flashings!

And don't forget the boiler, radiators and all the copper piping!

are you serious about this? i wouldnt know where to start with the boiler plus its about 25 years old!! lol

[Laurieloo2]

Re: court date yesterday for house repossession, how do i know outcome??

Can I really do all that? Strip the floors etc? and wold peole really buy this on ebay or where could i find a dealer?? From a house clearance tpe of business?? There is laminate wood flooring in livingroom, kitchen and upstairs bedroom, the carpets are naff to be fair. but the light fixings are all stuff i bought and installed as ironically when i bought the proprty 5 years ago it was a repossession and was in a terrible state! We had to clear out the previous owners belongings! I dont want to get in trouble with my official receiver over doing any of this.......

[wales01man]

Re: court date yesterday for house repossession, how do i know outcome??

When the bailiffs come to take possession remove the front door their pea brains will not know where to pin the notice they will have to go back to the court for advice

[Nikolai]

Re: court date yesterday for house repossession, how do i know outcome??

As long as the OP has gone into bankruptcy then there's protection from the lender who has at the present time a contingent debt (one that needs the sale of the property to become a fixed sum). So the lender can't chase for any shortfall and has to swallow any losses on sale. If you're bankrupt the lender cannot come after you for any shortfall on sale.
That said, phone the court to find out what order was made. The usual is for possession in 28 days, and the lender will apply for a warrant of eviction some time after that. There's usually no rush about these matters - when it happened to me, the possession order was made in October but the eviction wasn't until February. You can live rent and mortgage free in your own property until you are evicted, but most people tend to leave a few days before the bailiff comes. You get lots of notice, so don't be too hasty to move out, and if you have other accommodation sorted already you can take your time moving - you certainly don't have to do it all in one day.
There is life after repossession (and bankruptcy!), so don't get too down about things - take care of yourself and don't let the *******s grind you down.

Re: court date yesterday for house repossession, how do i know outcome??

Wouldn't recommend stripping a house if it's a rented property......

Of course not,

Indeed.

If it was rented, one would open all the windows and scatter bread-crumbs inside, to encourage pigeons to roost. One might also leave bits of meat or a dead fish or two under the floorboards, where they will add to the ambience.

[FlamingParrot]

Re: court date yesterday for house repossession, how do i know outcome??

Wouldn't recommend stripping a house if it's a rented property......

Of course not, you would be giving the landlord reason not to return your deposit. But the OP's house is being repossessed by the lender, a Financial in$titution. Such outfits are directly or indirectly responsible for so much misery and grief including lots of bankruptcies, repossessions, business failures and loss of income caused by the global financial cri$i$ caused by them! :mad2: :mad2: They deserve nothing better than a shell to auction off. :evil:

Re: court date yesterday for house repossession, how do i know outcome??

Wouldn't recommend stripping a house if it's a rented property......

Re: court date yesterday for house repossession, how do i know outcome??

Im presuming repossession order would of been granted

Repossession order.... :biggrin1:....mebbe should add that to my list...