Repossession & thanks

stroppy

Gosh I didnt realise they put a notice up in the window!
I told a few of the nosy women in the school yard that we were thinking of renting ours out and had moved into a more suitable house for the kids....oops.I dont think they believed me anyway, to be honest I didnt really see what business of theirs it was why we had moved, let them gossip.I really dont see that its an issue in these times, as mentioned before they will soon find someone/something else to talk about.

Stroppy xx

Dodger61

Does the notice actually say the house is re-possesed? Any idea what the notice actually says?

BlueIsTheColour

One of the ways I would look at it is that you will be moving from the area and most definitely will have by the time the notice is in the window so why care what the old neighbours think? You will have moved to a new house where you can be happier and make new friends, so forget the gossiping old ones and concentrate on yourself and your family they're the ony important people at the end of the day, not anybody behind twitching curtains!

Good luck and I hope everything works out for you

k2nga

I have to be honest i feared people knowing just like you and in the end i gave in trying to hide it and told people it bought my friends closer and family who were great i have not had one bad comment and some even said so what we will all be there by 2010 the way its going.

After the way i looked at it then was if anyone got funny did i really want to know them anyway?

Jubbly1868

craigos74 wrote: »

Jubbly,
I found a new rented place, moved in, went BR in Oct and voluntarilly repo'd my place. best thing i have ever done....i was in a very dark place for a very long time. I agree with Tigerfeet a fresh clean start.

So do you recommend getting into rented place before filing BR papers? How did you find it went with finding somewhere with non-perfect credit (tell me to bog off if too nosy!). What sort of thing did you say to letting agents. They all seem to want to know everything bar our inside leg measurements here and its stressing me out.

We do have a rental place in mind but Im so scared of being turned down. Going to try and get family member to act as guarantor as that worked for a pal in england but not sure what like here in NI!

We are completing br papers early Feb but prob wont file until end March etc... When you send your keys back to mgage lender is that termed 'voluntary reposession'? Do you know what you can take out of the house. Im assuming furniture etc, but what about curtains, blinds - all things like that , that we've paid for?

Sorry if too many questions, might start up two small threads on subject so no pressure on you Craigos74!

craigos74

Hi Jubbly,
Thats the way i did it, i was in my new place for a week then went BR and then V Repo'd the following month. I've moved in with my girlfriend and daughter, my credit rating wasn't bad when i filled in the paperwork so I didn't have a problem renting, there was no clause about BR in the agreement and the OR didn't even want to see my tenency agreement. The agents are quite thorough though i guess they have to be, they're are protecting their client really.
Basically i wrote to the mortgage company (recorded Delivery) saying I've gone BR (which they should already know cos i had a 20K unsecured loan with them) and i intend to voluntarilly surrender the property to them as they are first charge, didn't go into to much detail, they then wrote back giving me an address to send the keys to and also said they would come after me for any shortfall (which they can't) I had already moved out so the next day the keys went back with another note saying contact the OR with any shorfall, not heard anything since. I've read on this forum that they sometimes send you something to sign which by doing so you take responsibility for the shortfall so never sign anything. I gutted the place when i left, everything in it was mine after all, even took the light bulbs! I did leave a washing machine cos it was busted, the mort people will get rid of it if they want but looking at the pictures on the estate agents website they've left it in there.