Repocession

[spaxscrews]

Thanks melanie for your reply. Time to get out and rent and get our lives back.2008 not so good but 2009 lookin good so far. Just a quick note to anyone else in the same boat when it comes to renting go through a letting agent and be up front about your insolvency. Apparently it is soley up to the discretion of the landlord and if can get a relative or friend to act as a guarantor you should have no worries.
Also i cannot believe i spelt repossession wrong in the original post!! DUR

[Rainbow]

Eviction dates can be anything in theory from immediate to whatever is agreed in court. The immediate dates are only used when the lender knows that you have left the property - The usual amount of time is 28 days although if you needed longer you would need to go to the hearing and advise the judge - Eviction cases are not heard in open court but what is called chambers so its you, the judge and the mortgage company rep. Once the 28 days (If that's what the judge orders) expires than the mortgage company would have to apply for a baliffs warrant to effect the eviction and depending on how busy the baliffs are that could be another 28 days or so. Also its worth bearing in mind that once the order has been made right up to the baliffs date you can apply to the court for a stay of execution of the warrant - You could use this perhaps if you found a house to rent that wasn't going to be ready until after the baliff's eviction date - In my experience the judge would probably grant this.
Just thought I would try and give you something in case you needed extra time.
Best wishes
Rainbow