Defective security

We assist lenders to remedy defective security so as to facilitate repossession and sale.

Professional negligence

We seek redress for lenders where surveyors, valuers or solicitors may have been negligent.

Mortgage fraud and professional fraud

A specialist team is available to deal with mortgage fraud by borrowers and professional fraud which may involve solicitors, agents, valuers or brokers.

Relief of forfeiture of leases

We take the essential rapid action necessary to protect mortgages of leasehold property where landlords take forfeiture proceedings. We negotiate with landlords and take court action to preserve security.

Eviction of tenants

This service is important to lenders, particularly with buy-to-let properties and unauthorised lettings of supposedly owner-occupier properties.

Buy-to-let

We act for national lenders in buy-to-let collections and repossessions. We advise on the host of problems that these cases can involve, including:

• LPA receiverships
• Tenancies and tenant rights
• Obtaining vacant possession from tenants
• Mitigating lender's obligations to tenants
• Rent arrears
• Legal liability and cost re-imbursement for repairs, state and condition
• Non-co-operating borrower landlords
• Unauthorised tenancies and other occupiers
• Missing tenancy documentation

LPA receiverships

Where properties are tenanted, we act for lenders who wish to avoid taking possession with its inherent risks of potential civil and criminal liability as effective landlord or the obligations of a mortgagee in possession. We advise on and arrange for the appointment of LPA receivers who may be able relieve the lender of many potential burdens.

Shortfall recoveries

We arrange the tracing of the borrower and the assessment of means in order to negotiate a sensible settlement. In appropriate cases, assets or income may be traced or attached and bankruptcy proceedings taken.

Sale of repossessed properties

As a key aspect of our repossession process, we can take care of the sale of repossessed properties, including dealing with any security or conveyancing points that may arise, the discharge of the mortgage and advising on the distribution of any surplus.