Question about Repossession?

Mercury1

My friend's House is being repossessed tomorrow; I just wanted some info as to what actually happens on the day, so I could try to help in anyway?

Is a way to pay the Bailiffs some money to delay things? Or do they just throw you out there and then?


Many Thanks

Hoario54

They don't tend to "throw you out" immediately upon their arrival, they usually give you a bit of time to get your last bits and bobs out the house while the locks are being changed.

It isn't pleasant and your friend will be unable to delay the inevitable I'm afraid.

Jorgan_2

The bailiff will turn up at a set time, usually with a maintenance company in attendance, to change the locks & drain down the central heating & water system. Anybody at the property will be asked to leave, depending on the bailiff, he may give them 20-30 minutes to get some things together. They will then have 7 or 14 days in which to remove anything else they own from the property. This will usually have to be down in one go, not making multiple trips back to the property.

As you can imagine, its isn't a pleasent experience. Neighbours will be coming out of the woodwork to ask what is happening & why.

If they have the option to pay some money, they need to contact the lender & courts as soon as possible, don't just think you can give it to the bailiff.

If they have any pets, make sure these are taken care of, dogs will go to the dog warden if the owner can't take them, cats are just turfed out.

Have they spoken to the council about being re-homed?

Mercury1

Silly Question; they must leave on the Day??? and if they don't open the door, will the bailiffs use force to gain entry?

silvercar

From your questions it looks like they haven't faced upto what is happening. Have they been to court? Are they able to offer a payment schedule of any kind? How large are the arrears? Have they anywhere else to go?

TBH if they are actually going to be repossessed, they want to have packed up most of their stuff into storage before the baliffs arrive. If they want to try to stop the repossession then we need some details to offer advice.

Jorgan_2

Mercury1 wrote: »

Silly Question; they must leave on the Day??? and if they don't open the door, will the bailiffs use force to gain entry?

Yes, they will not be allowed to stay at the property once the repossession order has been served. The bailiff will ask the locksmith to gain entry to the house. If there is a chance that they can pay some money over, they need to be making calls now.

I attended a repossession last year, scheduled for 11am. The owners had a hearing with the court at 10.30, but the judge ruled the repossession should take place as planned. One last week was cancelled half an hour before the repossession was due to take place.

Debt_Free_Chick

We need the full story ... who is likely to turn up tomorrow?

Whoever it is, they must have a Court Order.

Has your friend been served a Court Order? Or notice of Court Proceedings?

Or just a simple notice informing him/her/them that the landlord/lender intends to repossess?