HRAC. Case Studies

We can provide any number of examples of Homeowners we have helped, however every case is unique. We have therefore included 3 typical cases where we have been instrumental in gaining the most appropriate resolution for the Homeowners.

Example 1

A particularly difficult case example was a relatively young Homeowner, with two children, who was due to be evicted within 2 days of contacting us. The homeowner was contracted to pay her lender £2000 a month following 6 court appearances and an order from the judge that she was NOT allowed back into court. We got the homeowner back into court and saved the Homeowner from eviction and got her payments down to £1850 a month because we made an appropriate and strong case in terms of her affordability.

Example 2

A Lady contacted us very late on a Friday evening, after having failed to find assistance from a number of recommended sources. The Homeowner was due in court at 12 Noon the following Monday. We therefore had only two hours on that Monday morning to provide the necessary assistance before she was in front of the judge. To add to her stress, the Homeowner had not informed her partner of her circumstances or that they were due in court.

We respected the Homeowners reasons for not wishing to inform her partner, and through the court, we managed to arrange a payment agreement of £150 a month towards her arrears, when the Lenders representative was demanding £500 a month on top of her standard monthly payment. We further identified a number of failings on the Lenders part and the Lender was therefore ordered to pay the court costs.

Example 3

In this case, a couple whose circumstances had deteriorated very rapidly, and were showing no sign or recovery in the short term, accepted that they had no alternative but to sell the property, after we had thoroughly explored their affordability going forward. Their Lender however was not willing to provide them with the time to sell the property and had imposed their previous suspended possession order and therefore, an eviction date was set.

We applied emergency procedures, to have their case re-considered and as a result of our submissions to the judge, it was ordered that the Lender provide them with a minimum of 6 months within which to achieve a sale, while they remained at home, in the property. They advertised their property at a realistic price and have already secured a buyer and are therefore set to move to a smaller property, without ever having been evicted.