Repossession - Bailiffs

beermonsteruk

We had our house repossessed a few weeks ago, however on the day of the eviction we were at court having the warrant suspended. The judge granted us the suspension as we had a buyer at contract exchange stage, however the bailiffs had already entered our house up to an hour earlier than stated on the warrant.

The warrant for entry was 11am, Judge suspends warrant at 10am. Bailiffs informed at 10.15 not to enter. Bailiffs entered our house and the gas, electric, water disconnected. Stickers on boiler, gas and electric mains saying do not use. Damaged new front door, replaced locks with sub standard rusty replacement lock, and other minor damages.

I have a solicitor in place acting on our behalf, just waiting to see what the lenders response is yet.


Need a vodka pick me up now.

silvercar

One way of looking at it. Quantify your losses and present a bill to the lender. The baliffs were acting for the lender so I would think that the lender is liable to you for damage caused. Who finally foots the bill would be between the lender and the baliffs.

The other way of looking at it, would be to accuse the baliffs of breaking in and trespassing and criminal damage. You would then need to get a police report and persuade the police to charge the baliffs. You could also presumably claim off your home insurance for the damage. I would guess the police would consider it a civil matter but I could be wrong.

I guess it would hinge on whether the bailiffs acknowledge (or the lender provides proof) that they went ahead after being told to stop.

RabbitMad

Surely the baliffs are in contempt of court?

dom2599

Have a look here beermonsteruk

http://www.consumeractiongroup.co.uk/forum/

scroll down to the bottom of the forum for the Bailiff section, these people will be able to give you some excellent advice.

Hope this helps

Doozergirl

beermonster, I'm really sorry to hear that things are that bad

What's happening now? Do you have a buyer at last or are you getting back on your feet?

beermonsteruk

We have a buyer in place Doozergirl, should have contracts done this week, we had to move into temporary accommodation from the eviction date as house was without utilities. We are back on our feet sort of at the moment, unpacked the kids stuff and we just had baby no 3 at the time this was all happening. Wife is brilliant, dont know where she gets her energy from.

Solicitor been on the phone today, and is getting a barrister appointed for us as the H****x building society wont reply to request for costs for repairs etc.

What a mess, did use these forums to pick up ideas to sell the house and learn the process, been a terrific learning curve from the stickies and other posters. Just hope all ends well this week with the sale.

No more n244 and n60 form filling for me, hated the visits to the court for the suspension hearings. Make you feel ill when in those places, wife wouldnt come to the hearings, apart from that I wouldnt let her in case she went into early labour, as she was a high dependency case (trisomony 18).

I my only regret is not screaming out earlier for help, and getting help from you guys. I did get all the repo help from searching around.

Thanks dom2599 will have a look at your link and get some more numbers to shout at. They cant get away with this, the judge called it oppression by the building society.

thanks all for the now, will keep you posted, might post up the photos later of what mess they left the house in.

dom2599

No probs mate, these people (bailiffs) think they are above the law, you will find a lot of people with a lot of knowledge (including bailiffs!) on these forums

kunekune

beermonsteruk, hope your wife is ok. trisomies are scary, I have a trisomy child, but just the normal boring 21. if you want to talk, please email me on [EMAIL="f.wright@bradford.ac.uk"](re[/EMAIL]moved). I'm no expert but have been through the mill too ...

silvercar

kunekune, can I suggest you use the PM (private message) system rather than put your email address in a public forum. You risk being spammed or worse.

Just click on someones name and choose, "send a PM". Much safer!

Click the "edit" button and remove your email address.

beermonsteruk

Thanks kunekune, been a rollercoaster ride over 5 pregnancies, 3 made it. Would not wish it on anyone. Will keep you posted on how things are going. Fortunately 1st child ok, 3rd and 5th, have some abnormalies, minor stuff, but they will develop like any normal child, whats normal these days. No more trying for us, 3 kids are enough.

thanks

beermonsteruk

thanks dom2599, at court tommorow, civil court, 10am, next door to the bailiffs office, tempted to pop in and say hello muppets, and advise them of how to tell the time, right proper muppets. Better keep me gob shut, meeting barrister with solicitor to put paperwork together. Another rollercoaster few weeks ahead, cant wait to see what they offer us. Will keep you posted.