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Experts in Stopping Repossession & Clearing Mortgage Arrears

If you’re facing repossession of your home, TIC Finance can provide fast, reliable advice and support to prevent losing your home. We can arrange fast-acting solutions, as well as free initial debt advice and consultation on your circumstances.

Experts In Stopping Repossession & Clearing Mortgage Arrears

If you’re facing repossession of your house, TIC Finance can provide fast, reliable advice and support to prevent losing your home. We offer fast-acting loans, as well as free initial advice on your situation.

Stop A Repossession

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How Do I Stop a Repossession Order?

Getting a repossession order can be distressing, which is why TIC Finance is on-hand to offer our experienced support, no matter what you need help with.

Despite what you’ve heard, you can stop a repossession order at any time, nearly up until eviction day. Believe it or not, the law requires lenders to be open to receiving your suggestions, whether they like them or not.

Your options to avoid repossession of your property:

How do I stop a repossession order?

Getting a possession order can be distressing, which is why TIC Finance is on-hand to offer our experienced support no matter what you need help with.

Despite what you’ve heard, you can stop a repossession order at any time, nearly up until eviction day. Believe it or not, the law requires lenders to be open to receiving your suggestions, whether they like them or not.

Your options to avoid repossession of your home:

Our House Repossession Advice

No matter how you go about stopping a repossession order, you must sort out how you would like to deal with your mortgage problems. At the very least, you should start making a plan and then convince your lender to agree with you. If your lender has already filed a claim against you, take these next steps:

Our repossession advice

No matter how you go about stopping a repossession order, you must sort out how you would like to deal with your mortgage problems. At the very least, you should start making a plan and then convince your lender to agree with you. If your lender has already filed a claim against you, take these next steps:

How To Get Finance for a Repossession with TIC Finance

1. Get in touch

Get in contact with us at 020 3411 4451 or by completing our enquiry form.
We’ll connect you to one of our specialist advisors to discuss how we can assist you.

2. Complete application

Our expert advisors will guide you through the process. We do not judge our clients on the basis of their credit scores. Once we have all your information, we will negotiate an agreement on the terms of the contract and set up a payment plan.

3. Sign the contract

The next step is to find an SRA regulated solicitor to represent your interest in this matter and witness the signing of documents.

4. Receive your funds

On receipt of the signed original documents, we will release funds within 24 hours.

Why Choose TIC Finance to Help Stop Repossession?

In the UK, homeowners facing the threat of repossession often find themselves caught in a complex web of challenges, navigating court proceedings, mounting legal fees, and the pressure of keeping up with mortgage repayments, hoping to avoid the dire consequences of legal action through repossession proceedings. This is why you should choose TIC Finance:

Why Choose TIC Finance

We Provide Professional Advice For Individuals With Financial Difficulties

At TIC Finance, we are committed to helping you stop house repossession in the UK. We’ll give you practical and expert advice throughout the process to find a solution that works for you and works within the required time frame. Our team of advisors can work with lenders to negotiate repayment plans and provide other options, such as raising finance, bridging loans and insolvency solutions, to help you stop repossession.

We provide thorough, financial advice and a first-class service in helping you stop home repossession, whatever your financial situation or personal profile.

Home Repossession FAQs

You’ll need to present your lender with a clear, reasonable plan that could work to resolve the debts you owe. Remember that it’s better to present some kind of repayment strategy, even if you think there’s little chance of success – taking no action throughout the process could give your lender the legal upper hand.

Starting a written dialogue with the mortgage lender will at least buy you more time if nothing else. You will need to keep copies of all the letters like these that you send to your lender as well as everything they send you. It’s tempting to think that a few phone calls can be a shortcut for you, but you’re going to want to generate a paper trail that you can show in court if necessary.

Alternatively, you can contact us at TIC Finance, and we will work with you to understand your circumstances. We will then be able to propose a solution to you, which may include being able to arrange the finance for you that you require.

You’ll need to start by contacting your lender. Look at the last mortgage statement or letter you received from your lender to get the correct address and the name of the person or division of people handling your loan. Keep the tone of your letters kind but formal.

Tell them in your own words a summary of why you’re behind on the mortgage payments and how you’d like to make up the payments. You may find it useful to include an optimistic statement about how your financial matters will eventually improve due to your plan to, for example, increase your income, receive insurance benefits, get government financial assistance, or take out another type of loan.

Close on a positive note by mentioning anything good about your history, like previous payments you’ve made on time and if you still have equity in your home, meaning that your property’s worth more than the amount due on your mortgage. You’ll want to give your lender a good reason to file your case in their “not urgent” category of papers. They’ll appreciate hearing something from you much more than waiting around to see if you care enough to respond to their notices about late payments.

As well as having our own funds available to provide to clients, TIC Finance is able to arrange finance for homeowners in all circumstances and all personal profiles, for example, an impaired credit file. This bespoke financial solution has proven to prevent many homeowners from losing their properties and is available immediately.

You’ll need to put together evidence that you can resolve your mortgage problems and pay back the money owed to your lender. Contact your local county court and ask about how to get free legal representation for your repossession hearing, which is available in most major county courts.

To prepare for your hearing, it’s time to get together all the papers that support your claims to keep the property. If you have written a few letters to the lender trying to renegotiate your mortgage, bring copies of those letters with you to court as evidence that you’ve been cooperating. Bring all of your financial statements, the defence form, and proof of any benefits claims you’ve made with you to court.

The better prepared you are, the more likely the judge is to take your side by perhaps giving you more time or working out a more reasonable debt settlement plan for you.

Contact our team today for advice and support. Our friendly team has ample experience of the repossession process from start to finish and we are confident that we will be able to help you.

Contact us at TIC Finance for knowledge and understanding of how to deal with a repossession. We provide a step-by-step guide to dealing with repossession and can also help you with the steps of the process. As well as this, we are able to help with a solution for you to stop the repossession.

Now, before you write your brilliant action plan to your lender, you need to have a legitimate plan that could actually work, obviously. This part seems like the hardest bit, but don’t panic yet. Go through this checklist to see if any of these options could work for you:

  • Work out your monthly budget: Go through your list of last month’s expenses and see if you can modify your lifestyle to cut back on any of them. Also, consider ways you could boost your income. You may need to show copies of your financial statements proving income and expenses to back up your mortgage-negotiation proposals too, so start putting this proof together now.

  • Search for a cheaper mortgage with a different agency: You may need financing to settle what you owe to your current lender, but in the end, you could have lower monthly payments by transferring your mortgage elsewhere. The Money Advice Service website has more details about this choice.

  • Research a temporary break in payments: If so, then ask them to either reduce your required payments for a certain period of time, stop billing you for mortgage payments temporarily, or extend the lifespan of your mortgage in order to lower the payments, even though lengthening a mortgage means you’ll pay more interest over the years.

  • Shared ownership scheme: You might need to consider selling back some portion of the ownership of your property to the landlord for “flexible tenure.”

The length of time it takes to repossess a house depends on how you communicate with your lender and the strength of your negotiations. Normally, a possession order will not be issued before you’ve missed six months of mortgage payments. From receiving the possession order to having your home repossessed, it could take months, with court hearings and written negotiations potentially lengthening this.

If you’re wondering how long you’ve got before your property is repossessed, please contact our experts, who will be happy to provide you with further information.

An appeal can only be submitted once a decision has been made in court. Appeals cannot be made to the same court and need to be escalated, so this isn’t the most common process of stopping repossession.

If your court hearing flopped and they’ve issued the repossession order, use one of these last-resort measures to stop it:

Ask a legal adviser if your circumstances qualify you to file for a new order to keep your home. You may be able to suspend the possession order or appeal to another judge.

Try again to make a new financial agreement with your lender. They can renegotiate your terms and repeal the repossession order, even up until the day of eviction.

Contact us at TIC Finance to understand how we can help you.

In some circumstances, it may work out better to sell the property to stop a repossession. However, we would advise that you contact one of our experts today to understand all of the options that are available to you and then make the decision that works best for you.

Yes, it is possible to get a mortgage after a home repossession. However, the process is more complicated and requires you to prove that your financial situation has improved since the repossession of the property. You may need to provide proof of steady employment and income, as well as evidence that you can make timely payments on your mortgage. In addition, lenders will likely require a larger down payment than usual in order to offset potential risks.

Other than aiding property owners in stopping repossession of their property in the UK, we provide an array of financial services, such as, clearing bridging loans, and unwanted debts, clearing mortgage arrears, selling your home quickly, joint business funding, and financing for property developers and investment property. Speak to us for our specialist advice that is tailored to your financial and personal circumstances.

Typically, a possession order won’t be issued before you’ve missed six months of mortgage payments. After your first month of missed payments, your lender will send you a polite notice requiring you to pay. These will become more frequent as time goes on, especially if you don’t proactively contact your lender to start the negotiation process.

Investors looking to purchase properties that cannot have a standard or rather normal mortgage secured on them until corrective work is completed can immensely benefit from bridging loans. This may include property without a kitchen, bathroom, old floors, walls etc. or property that needs doing up for some other reason.

Renovating properties increases their market value which as a result enables the investors to sell them for a profit. That way, they are able to repay the bridging loans as scheduled and also increase their chances of securing long-term finances.

Need Advice?
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Need Advice?
Get in Touch Today