If you are in arrears with your mortgage lender and owe more than 2 months payments, you will
probably receive a letter from your lender's solicitors informing you that they have been instructed to start possession
(repossession) proceedings against you for the possession of your home.
Do not ignore this letter. You may still be able to speak directly to your lender, but some lenders will insist you
now speak only to their solicitors. Try not to be intimidated by them and make sure that any agreements are in writing.
How To Deal With Lender's Solicitors Letters
Open all letters as soon you receive them
Respond in writing wherever possible and keep copies
Keep a record all phone conversations and make notes of what was discussed
These copies may be needed if you lender takes you to court for repossession
Try not to be intimidated by your lender's solicitors. Ultimately it is a County Court Judge that makes
all decisions about repossession
What Are My Options?
Respond to all letters and phone calls in a timely fashion and keep records of anything you agree to.
If necessary ask a friend or relative to speak on your behalf. They will be less emotionally involved in the process.
You can give authorisation by fax to allow someone else to talk to your lender on your behalf.
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