About Us

Importantly, we are here to provide Advice, Support, Guidance and Assistance, for Homeowners who are in financial difficulty; including advice/guidance with regard to Government funded assistance.  We do this when Homeowners have not paid or can no longer afford to pay, their full contractual payments, for any form of loan, which is secured on their property.  We will take any Action possible and necessary, to prevent a Homeowner from being Repossessed/Evicted.

HRAC will thoroughly discuss your present position within your initial contact and look to establish a clear picture of your circumstances. We then make a thorough assessment of what is required and help you to find the most suitable way forward and provide any available assistance, designed to help reduce the effects of your situation, or even to resolve your present situation altogether.

Naturally, we encounter any number of Homeowners who might benefit from more general Debt Advice/Counseling and/or Debt Management. When this happens, we refer/guide the Homeowner to an appropriate alternative Charity, as we do not undertake this work.   This leaves us free to concentrate on our core objective, namely, the Prevention of the loss of Homeownership.

Helping Homeowners prevent the loss of their home is very complex in itself; as a result, we will not offer you mortgage advice as to whether you need to change mortgage or your ability to obtain another mortgage.

We concentrate on advising you of the following:

What your options are in relation to your present position.

• What the likely or achievable timescales are, in relation to your present position.
• How you are likely to achieve any option you wish to explore.
• Who might best assist in achieving the chosen option, this may often be a number of organizations.
• If appropriate we will help you to achieve those options, which often requires us to provide legal / court assistance, in the form of a defense against your Lender, where a Homeowner is having to go to court for a possession hearing or is even facing imminent eviction.

All the advice and work that we carry out on behalf of Homeowners is free of charge. We provide a freephone telephone number for you to call us on – 0800 316 2240 – so that it costs nothing from any landline, mobile phone users may be charged by their service provider.