Hi WWorders,

Hoping someone can help with some research. I've got a character who is massively in debt, and faces having their home repossessed. What I've found out so far is this: creditors will send baillifs around who will give one myabe two days notice to pay the debt in full or they will repossess property. If it comes to this, the property will be sold at auction, usually for much less than what was paid for it, and the proceeds will go towards the overall debt. If this isn't enough (and usually isn't, as the baillifs fees are also deducted from the sum), the creditors will then begin proceedings for repossession.

So, what I need to know is about the actual process of repossession. How long is the home owner likely to have before being evicted? Is this all still handled by the creditors/baillifs, or do they get a court order and court baillifs do deal with this? What legal steps, beyond actually paying up in full, can the home owner do to prevent or prolong eviction? Are the creditors likely to try to negoitiate with the home owner at this late stage?

Anyone got any ideas?

L

Hi Lianne

If you put 'BBC News Magazine On the Doorstep' into Google you'll find an article from November 2005 which might be some use though it won't tell you everything you want to know.

There's also a Guardian unlimited article entitled 'Six Year Repossession Limit a sham' which Google will throw up.

Hope these help.
Naomi

Thanks Naomi,

I'll take a look at those.

L