Welcome to the National Repossession Helpline Britain’s first and foremost helpline dedicated to helping homeowners to stop their homes from being repossessed. Are you: • A homeowner facing potential eviction? • Confused about what to do? • Sinking in debt and about to be repossessed? • Or, have you already been repossessed? If you are: • We may be able to help stop repossession. • You can trust us to help you, today, free. • Call now for confidential, fast, friendly help. • FREEPHONE 0800 634 8675 If you’re a homeowner in arrears with your mortgage or other debt repayments secured on your home, about to have your house repossessed, and confused about what to do, then this site is for you. You can trust us to help you today and we may be able to help stop repossession. People in this position often tell us they have given up hope of keeping their home. But in many cases, there is hope, if you act fast. We can talk you through the options and help you decide the best one for you. You may not have to leave your home. Best of all, the National Repossession Helpline service is entirely free and without obligation. Find out more about what we do on this site and then, if you’d like our help, call us. It’s what we’re here for, 24 hours a day, 7 days a week. Before you call, here’s how to use the site. First, we suggest you click on the links to find out more about who we are and what we do. Then, take a look at the key benefits of the National Repossession Helpline service, and at our list of services. Next, you might well want to see what other customers have thought of us; the testimonials on this site are real. Finally, you’ll have some questions of your own. Our FAQ’s section may well help you find answers to them. After a few minutes, you’ll know more about the options, and whether you’d like to call. Our friendly staff are ready to talk whenever it suits you. Your call will be free and completely confidential. Call us now for a fast and understanding response on FREEPHONE 0800 634 8675. Our commitment to personal service means that from this point on, once we’ve established your ability to benefit from the service, your Adviser will stay with you. He or she will help you throughout. We‘re a group of people who are concerned about the rising level of personal debt in the UK and who want to help people find the right solution to their problems. Some of us have worked with the Samaritans and Crisis and know at first hand the despair that people can feel when they believe they’re about to lose their home. The National Repossession Helpline is a completely free service. You pay nothing to use it, and there is no obligation to act on any of our advice. Everyone’s different, and our first aim is to help you to understand the options open to you and to choose the one that’s right for your personal circumstances. To enable this you’ll be introduced to your personal adviser. When you’ve decided what you’d like to do, your Adviser can help you put your plan into action. We aim to be transparent in all our dealings so you will always know who you are dealing with. Your first call will be to our dedicated call centre, who will ask you a few simple questions to help us assess your case. Our commitment to personal service means that from this point on, once we’ve established your ability to benefit from the service, your Adviser will stay with you. He or she will help you throughout. Here’s how the National Repossession Helpline works. You control the process, every step of the way. First, you decide to give us a call. It’s a free phone number, so it costs you nothing. The number is 0800 634 8675. Our specially trained, friendly staff will sympathetically talk through the nature of your problem and take a few details to help us decide on the best person to help you. Then, usually in an hour or so, that person will call you back for a more detailed chat. Once he or she has established your personal wishes they’ll go through the options you have. You may have questions, and if so they’ll research the answers and get back to you. What happens next depends on the decision you reach after hearing those options. You can decide to do nothing, and seek further advice, perhaps. Or, you can ask your Adviser to help resolve the problem. He can, for instance, offer to buy your house, usually within a month to prevent foreclosure, as it’s called, by your mortgage lender. This will enable you to pay off the outstanding mortgage and arrears. The price offered will not be the full market rate, but will typically be 75-90% of it depending on circumstances. You save on agents fees, and on the cost of further debt incurred while waiting for a sale that could easily take months, plus you avoid repossession, which is the main point, so the real world difference is often not that much. You can decide to leave your home, perhaps to buy somewhere cheaper, or you can agree with the buyer to rent it from them. This option keeps you in your own home and is many people’s preferred solution, at least until they get back on their feet financially. Alternatively, you may decide that you want to remain the homeowner. Here, for example, it may be possible for the Adviser to arrange to take an option on your property (in effect this is buying a part of the proceeds when it is sold in the future), in return for which they pay off your mortgage arrears.