This week I had another Court case as part of Moneybuddy’s Home Rescue Service, which helps clients stop repossessions and evictions. It is a great alternative to selling your home cheaply to fast cash house buyers (at a huge loss!).
I only heard about the eviction warrant date on Monday 19th September at 5pm. The client didn’t live at the property, as it was a rental (BTL) property and all the Court papers had been served by Stoke County Court to the rental property address.
As the client had been out of the UK on business, they hadn’t received any paperwork from the Court and had only just opened post which had been sent by the lender’s solicitors.
Needless to say, I had a very short amount of sleep that night as I have to put an N244 defence form to file with the Court for an emergency hearing with a District Judge to stop the eviction at 9.40am on Tuesday 20th September (the next day). By the time I had heard about the eviction warrant and tried to speak to the solicitors who were pushing for repossession, the Court had closed in Stoke.
After continually ringing the Court until about 6pm, I eventually managed to get through to one of the managers at Stoke County Court and spoke to a very nice lady there (who is getting a bouquet of flowers from me!) who told me to get into Court the next day by 9am so we could file an emergency hearing application.
It was a bit “touch & go” in the Judge’s Chambers and they did give the clients a bit of an ear bending (which is normal) about why they hadn’t paid in accordance with previous Court arrangements. The solicitor for the mortgage lender got the case at the very last minute, and wasn’t as good as we were in Court.
Finally, the lady Judge said she would give my client one more chance, agreed to reduce the monthly payments over the term of the mortgage, rather than what the lender wanted (over 12 months) and suspended the eviction warrant.
Result! I was exhausted as was my client, but happy to have saved the property and saved the day.
If you know anyone who might need our help in stopping their home from being repossessed and them facing eviction, (or any property investors/landlords who might be about to lose their rental property) whatever stage they are at, please pass on our details to them and hopefully we can save the day for them too!
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