House repossession hearing

fermi

Mollie_Guinness15 wrote: »

The court forms have arrived, do I have to complete them, or as I'm happy for repossession just leave it.

Think the standard advice is to write to the court stating that you do not oppose the repossession? Then obviously go on the day as you planned.

debt_doctor

Hi,
Such costs are a 'Contingent Liability' meaning a debt based upon something else - in this case, a debt based upon the original bankruptcy debt of the mortgage/possession/shortfall.
I don't doubt however, that the odd creditor wouldn't try it on.
DD

Mollie_Guinness15

Thanks all

Cobalt77

Brilliant - that's good news, and for once it's great to be wrong

I may well have either got confused (in my old age, lol) or perhaps have seen a "non authority" post somewhere else on the internet.

But it just reinforces the value of this forum, and the considerable expertise from people like Fermi and DD.

Thanks guys, and good luck Mollie

Mollie_Guinness15

Thanks guys. I'm going to consult my solicitor as suggested and turn up on the day. I'll let you all know how it goes.

Mollie_Guinness15

Hi Fermi

Solicitor has advised, as you did, to write to the court stating that I surrendered possession in 2014 and clearly have no objection to the Order of Possession sought. It is not necessary to attend, although my inquisitive nature wants to.

fermi

Not necessary, but if me I would want to see it done and dusted in person.

Mollie_Guinness15

Hi All

Due to work commitments, I didn't go yesterday, so now just waiting to hear the outcome. At least now if the BS chase me for money I can point them in the direction of the BR.
Does anyone know if the outcome is posted on the posessionclaim.gov.uk site?

Mollie_Guinness15

Possession was granted to the building society forthwith, and there was a judgement on amounts outstanding, but that doesn't affect me. I assume I should pass any correspondence I may receive chasing monies to the OR?

That pretty much ties up all the loose ends now. I can't thank this board enough for its help and I will be around helping others, where I can, and where I am sure of my facts!

Mollie_Guinness15

Update: BS rang today to confirm that they will be taking possession in the next few days and would be marketing the property. They will contact me about repayment of any shortfall. I explained (for the umpteenth time) that I was BR and my liability for any shortfall had been erased by the bankruptcy.
As usual you detect a complete lack of understanding of the BR process and this was someone from the legal department.
Next time they call or write, I presume I should just point them in the direction of the OR?