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Repossession

Housing Repossessions Taskforce Conference being held today in Belfast

5 November 2014

Representatives from Housing Rights Service will be contributing to a Housing Repossessions Taskforce Conference being held today in Belfast. The conference will open up discussion on a range of options currently under consideration by the Respossession taskforce, a group set up in February 2014 by Nelson McCauseland.

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Repossession

ADVISER: What happens when a protected tenancy is repossessed?

29 October 2014

Two topics that often strike fear into the heart of an adviser are protected tenancies and the appointment of a receiver.  We recently had a case where both these issues combined, causing much confusion and distress to the tenant.

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Repossession, Private Tenancies, Practical tips, Adviser

Bank of Scotland held to account over bad practice with with customers' mortgage arrears

19 August 2014

Bank of Scotland held to account over bad practice with customers’ mortgage arrears.

A group of Bank of Scotland mortgage holders have won their High Court Case in Belfast over a problem relating to how the lender was dealing with their mortgage arrears. All three customers were facing possession action at the time and were represented by Northern Ireland advice charity, Housing Rights Service.

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Bank of Scotland held to account

18 August 2014

Chris McGrath LLB, Solicitor with Housing Rights, discusses a recent Housing Rights High Court Case where Bank of Scotland was found to be double billing customers in mortgage arrears.

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Money Matters, Repossession, Case law, Legal

Which? report shows Northern Ireland one of the most financially distressed areas in UK

22 July 2014

Consumer website, Which? has published a map showing the most financially distressed areas in the UK.

Which? asked site users to rank how financially stressed they were on a five point sliding scale.  The scale ran from low level financial stressors, like cutting back on essentials to signifiers of serious financial problems, such as defaulting on a loan, rent or mortgage.

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Repossession, Affordability

Initial evidence on NI possessions published by DSD

3 July 2014

The Repossessions Taskforce established by Housing Minister Nelson McCausland, briefed the Social Development Committee on their initial findings on 3rd July 2014.   The taskforce's  Initial Evidence Paper: NEGATIVE EQUITY, ARREARS AND 

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Repossession, Policy, Affordability, NI Assembly

How the major fall in house prices has impacted on homeowners in Northern Ireland

3 July 2014

The Centre for Housing Policy recently published ‘Financial Resilience and Security: Examining the Impact of Falling Housing Markets on Low Income Homeowners in Northern Ireland’.  This report was prepared by Alison Wallace, Anwen Jones and David Rhodes. Alison Wallace has kindly agreed to summarise the report for Housing Rights Service. 

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Repossession, Affordability, Opinion

41% of Northern Ireland homeowners trapped by negative equity

6 March 2014

A report produced by HML mortgage group states that over half a million households in the UK are affected by negative equity.  

Northern Ireland is the region most severely affected with 41% of homeowners, around 68,000 people, owing more than the current market value of their home.

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How the appointment of a Receiver impacts on a private tenant

21 February 2014

We've seen increasing numbers of tenants contact us because a Receiver has been appointed to manage the property they rent.   Chris McGrath, Solicitor for Housing Rights Service, reports on the legal standing of tenants who find themselves in this position. 

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Repossession, Private Tenancies, Practical tips, Landlord, Legal

First Time Order in Northern Ireland

29 January 2014

Housing professionals will be only too aware of the increase in the number of applications for possession of residential dwellings.  What many are less aware of is how useful an application for a Time Order can be to homeowners who risk losing their homes due to a secured loan or second charge.

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Repossession, Case law, Affordability

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