As a homeowner you cannot be evicted from your home unless your mortgage lender takes court action and obtains a possession order and a warrant for your eviction; and even then, providing you have not been actually evicted and the locks changed, it may not be too late to get help. If you are evicted from your home it will be too late to get help- so don’t wait and don’t ignore the problem- seek help. If your lender has taken court action against you then it is vital that you get advice quickly. No matter how bad it may seem, if you get help you may be able to stay in your home. It is up to the Court to decide whether you can stay in your home, so even if you have tried but failed to reach an agreement with your lender, or if you have broken arrangements previously agreed, you should still seek independent advice before deciding to give up your home.
The following web pages and sites provide information for homeowners;
Mortgage arrears advice locally
If you are behind with mortgage payments, or if your circumstances have changed and you know that this might mean you will be unable to keep up with payments, don’t wait, get advice.
Free mortgage arrears advice is on offer to homeowners in the Dudley borough who fear they may lose their home or are worried about mounting debts.
The advice, which is available to anyone who lives in the borough, is the result of a service developed by the Dudley Council’s Homelessness Prevention and Response Team and the Dudley District Citizens’ Advice Bureau. It is aimed at anyone who is having difficulty keeping up their monthly mortgage payments. You do not have to already be behind with payments in order to use the service- if you are worried please get in touch.
Anyone who wants to use this free, confidential service can either telephone 01384 816499 or visit their local Citizens’ Advice Bureau or alternatively please contact the Homelessness Prevention and Response Team at Dudley MBC, on 0300 555 2345 All discussions are strictly confidential.
Nationally, there is a free, impartial advice service available to homeowners which can be accessed by calling the National Debt line on 0808 808 4000.
Or see the fact sheet National Homelessness Advice Service
Help at County Court
All County Courts in England operate a Help at Court Scheme. Free advice is available to homeowners and to tenants in difficulty and is provided by either a local solicitor or advice agency. In Dudley, the Help at Court Scheme is operated by Wolverhampton Citizens Advice Bureau. You can contact them on 01902 572222 or alternatively please contact the Homelessness Prevention and Response Team, at Dudley MBC, on 0300 555 2345 if you are worried about losing your home and are facing court action.