Repossession On House

[leo9902]

My partner is out of work and got behind with the mortgage payments on his home hes spoken to the lenders with an offer what he can afford but there not being helpful and said not prepared to accept what he can afford which was nt a small amount hes been sending this amount for last 3 months regardless but unsure wether they can still apply to repossess the house as hes not heard from them but is sending what he can afford.

[themas]

If the mortgage is in arrears they can apply to Court for repossession. The Court should consider the facts of the case in making it's decision. He should go on paying as much as he can afford regularly each month.

There are some schemes which may be able to help him. He should contact his local CAB or other free advice agency in the area. They should be able to help, or refer him to whichever body controls the schemes in his area.

[tonywiltshire]

The advice given by themas is absolutely correct, you are a long way off losing the property and probably never will, particularly if you have children under 18, keep your mortgage provider informed every 3 months or so of your position, they may decide to obtain a charging order against the property which is done in two parts, for which there would have to be a court hearing, make sure this does not have a condition that the charging order can be used as the basis for an order for sale, it will mean they will get their money which is outstanding if the property is ever sold.
Check your position with benefits if your partner is out of work and having made an offer that you can afford, ignore what the mortgage provider says and ensure you continue to make these payments on a regular basis. Your partner is behaving in a responsible manner during a difficult period and this will be recognised.