Court papers for repo received - advice sought

DecisionTime

Have just received the court papers for reposession of our house. Hearing date is towards the end of April, after the date we plan to go BR. We will already have moved to rented accommodation by then.

Should we send back the forms or not?
I assume we don't need to say we're going BR at this stage? If not, when do we tell them, or is that up to the OR?
Do they get repo automatically once we are BR, once we tell them, or after we've seen the OR?
Is there anything else we need to know?

Any advice gratefully received. Thanks

LilyBart

Hi DT,
I'd be inclined not to sign anything but instead write a letter to the judge explaining that you are vacating the property due to financial hardship and that you will not be contesting the repossession. Have you already found alternative accommodation? If not, you may want to take advantage of the 28 days that is normally granted to vacate a repossessed property.
Lily

peachyprice

The repossession and BR will remain totally separate, the OR wil not get involved in the repossession at all. The repo date will be decided by the judge on the day of your hearing, unless you attend and ask for more time.

When you have your OR interview just tell them the house is being repossessed, they will make a note on your file and pick up the tab for the shortfall.

HTH