House Repossessed

5 posts
Jojobay
Posts: 3
Joined: Jul 2018
Options:
Share this post on:

House Repossessed

Postby Jojobay » Thu May 16, 2019 6:54 am

My Mother’s house was repossessed when her husband died suddenly leaving a huge mortgage and other large debts that she couldn’t pay. The house has been sold by the bank and she has now received a letter from a debt recovery agent advising she owes £305,000 from the shortfall. She has no assets and is supported by her children.
Can anyone advise what she should do next? I think she thought handing back the keys would be the end of a very sad story!
Post Reply
Invisiblewoman
Posts: 9
Joined: Jan 2014
Options:
Share this post on:

Re: House Repossessed

Postby Invisiblewoman » Mon May 20, 2019 4:24 pm

Please tell her to go to the citizen’s advice bureau as they can help her on all of these matters. Wishing her the best of luck.
Post Reply
ruthb viol
Posts: 9
Joined: Jul 2018
Options:
Share this post on:

Re: House Repossessed

Postby ruthb viol » Mon May 20, 2019 9:09 pm

We need more information to comment. To whom are the debts owed - the mortgagee who repossessed the house or a variety of creditors? Are the debts in her husband’s name or in their joint names? If the latter, was her signature forged or did she voluntarily take the debts out?
Post Reply
nannyS
Posts: 169
Joined: Nov 2010
Options:
Share this post on:

Re: House Repossessed

Postby nannyS » Tue May 21, 2019 10:07 am

Hi JoJobay.

Hope this helps..
Your Mum/you should be able to get some free legal advice from:
South West London Law Centres
www.swllc.orgSouth West London Law Centres provides specialist legal advice and representation to people who could not otherwise afford access to justice. Our solicitors focus on social welfare law issues such as community care, discrimination, employment, housing, immigration & asylum, debt and welfare benefits to people living across South West London.
Advice Clinics · Casework Services · Am I Eligible · Find Us · Support Us · Housing Court Duty Scheme
offices in:
Croydon: 5th Floor, Davis House, Robert Street, Croydon, CR0 1QQ
Kingston: 31-35 High St, Kingston upon Thames KT1 1LF
Merton: 112 London Rd, Morden SM4 5AX
Wandsworth: 76 Falcon Road, Wandsworth, SW11 2LR 
 
Our offices are open from 10am – 4pm
Our telephone lines are open from 9:30am – 5pm
 
Call us on 020 8767 2777 or contact your local branch of SWLLC.
Post Reply
nannyS
Posts: 169
Joined: Nov 2010
Options:
Share this post on:

Re: House Repossessed

Postby nannyS » Tue May 21, 2019 10:28 am

JoJoBay.

Just to add as long as she is living in the area, I presume that would cover living with her children whom live in the area. Then she would be eligible for debt advice. If you click on the link AM I ELIGIBLE it reads: 

AM I ELIGIBLE?

If you read these pages and are still not sure whether you will be eligible for funding, or you know that you will have problems establishing proof of income, call us on 020 8767 2777.
 
The legal representation we provide is funded (in most cases) by the Legal Aid Agency, under the Legal Aid Scheme.  To be eligible for Legal Aid, you will usually have to pass a means test, set by the Legal Aid Agency (LAA), by showing that your income and capital are within the current financial limits set by the LAA.  This will involve your providing proof of income at your first appointment. 
 
To check whether you may be eligible for funding under the Legal Aid Scheme, follow the link to the Gov.uk Legal Aid Eligibility Calculator.
 
Our Debt work is funded through the Money Advice Service. There is no means test.
 
Our Housing Court Duty Scheme requires you to provide information about your income, but there is no means test to be eligible for the service.
 
There are no eligibility criteria to access our advice clinics – but they are aimed at individuals who cannot afford legal advice.
Post Reply