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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Repossession

Housing Rights provides the only Housing Possession Court Duty Scheme in Northern Ireland. These court desks schemes, which are more commonly seen in England, provide free legal representation to homeowners and tenants who are in court for possession hearings and risk being made homeless because of housing debt.

Advice and representation at court can make all the difference as this recent example illustrates.

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Repossession, Practical tips, Adviser

NI Court figures for January to March show an increase in the numbers of repossession cases.[1]  Local charity, Housing Rights, is urging those struggling with their mortgage to get free independent advice as early as possible.

The Northern Ireland High Court of Justice decision in The Woolwich v Boyd [2015] NICh 16 , issued by Mr Justice Deeny in the High Court Chancery Division, deals with the issue of the extent of the discretion of the court in an application for a stay on an order for possession of a home; and how this discretion is exercised.

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Repossession, Case law, Legal

Support for Mortgage Interest (‘SMI’) is a payment available to people receiving Income Support; income-based Jobseekers’ Allowance; income-based Employment & Support Allowance; and Pension Credit. These payments are vital in allowing low-income households to maintain their mortgage repayments and sustain their homes. 

The next few years will see several changes to the SMI scheme, specifically:

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Benefits, Repossession, Homelessness, Legal

Sandra is a tenant of the Northern Ireland Housing Executive who was represented at court by Emma from our Housing Possession Court Duty Scheme, a project that provides court representation to people who have been taken to court because of rent or mortgage arrears.

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Repossession, Social Tenancies, Adviser

January is traditionally a busy time of year for our debt services and this year looks to be no different.  We're keen to encourage any one who is having difficulties paying their mortgage to speak to our mortgage debt advisers and to start taking action to save their homes.  

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Repossession, Affordability

Saturday 10th October is World Homeless Day.  Homelessness affects many people in Northern Ireland, including people who are no longer able to live in homes they own due to money problems.

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Repossession, Homelessness, Affordability

Toni and Marc came to Housing Rights for help when they feared that they’d lose their home.  Toni and Marc bought their home back in 2003.  Since moving in they’d had three children:  Jordan, Sam and Lily.   Catherine, one of our advisers, had to make an application for a stay when negotiating with the lender proved fruitless.

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Repossession, Practical tips, Adviser

Eamonn McLaughlin is one half of Housing Rights’s Housing Possession Court Duty Scheme.  Eamonn and his colleague  Maria travel across Northern Ireland offering free representation services to tenants and homeowners who have come to court to deal with mortgage or rent arrears.   Here, Eamonn discusses a recent morning at court when he met Grace, a Housing Executive tenant who’d fallen behind on her rent.

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Repossession, Social Tenancies

The interest rate used to calculate how much help homeowners can get towards the interest on their mortgage is falling to 3.12% from 6 July 2015.  It's important that any homeowners who receive this payment as part of their benefits understand how this change will affect them.

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Benefits, Money Matters, Repossession, Affordability

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