Letter from the solicitors 

Once you are continually in arrears (2-6 Months) the lender will hand over your account to their legal team and you will be notified of this in writing.

The solicitors have no concern as to why you are in arrears, because their job is to simply get the money which you have not paid. They will give you 7 days in order to repay all of your arrears or, if they are instructed to, make a proposal to pay the arrears in installments.

Even though you have been summoned to pay off the arrears in a certain time frame, it is always advisable to try and negotiate with the lender's solicitors, because once you have been summoned to court, the judge handling the case will see if you have tried to make the effort to repay the outstanding debt.

If you are unable to repay the arrears or reach an agreement with the solicitors a ‘possession order’ will be submitted to the court via the solicitor. Upon receipt of this the judge will set a hearing and request your presence in writing. Make sure that once you receive this you reply back to this. If you fail to reply to this then this may harm your case. Make sure that you attend the court hearing or again this will harm your case.

You should get legal representation and supply them with all names of people you have spoken to and all correspondence sent and received by you, the bank/building society and their solicitors.

Your solicitor is then able to make a case for your defense and they will be able to present this to the judge in court.

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