Possession Proceedings – Often at 6+ months arrears, the solicitors will issue County Court Repossession proceedings. The court will set a hearing date. You should attend. See ‘’How to Prepare for a Court Hearing’ for detailed guidance.

Court Order – At a possession hearing the court can make a number of orders:

1. Adjourn the hearing to a new date (if for some reason the hearing cannot proceed due to absence, or the need for further information or clarification)

2. Dismiss the application or Adjourn it generally (indefinitely) –usually only following full payment of the arrears

3. Make an Order for Possession (usually giving the lender the right to possession after a fixed period; typically 28 days)

Note – Even if a Possession Order has been made, SpeedySales© may be able to offer a solution – see How We Can Help.

4. Make an Order for Possession, suspended upon payment of the current monthly instalment , and an agreed amount towards the arrears (see ‘ How to Prepare for a Court Hearing’). This order is very readily applied by the courts. It gives you a further chance, and also gives the lender security. If payment is defaulted upon, the lender has an immediate right to seek possession by Possession Warrant (see below)

Possession Warrant - If an Order for Possession (see above) is made, and you remain after the date the court has ordered you to leave, or if a Suspended Possession Order has been made, and you have defaulted upon payment, the lender will apply to the court for formal eviction. You will receive a date and time from the court when you must leave. The court bailiff will arrive with a representative of the lender and a locksmith to take formal possession of the property. Even up to the day before eviction, Speedy Sales may be able to offer a solution – see How We Can Help.

Being repossessed? Call us today for a confidential chat on 0208 245 4543 or see How To Prepare For Court Hearing

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