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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Repossession

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

Anti social behaviour is a complex issue and can be difficult to address. Anyone guilty of anti social behaviour can be at risk of losing their tenancy.

Safeguarding tenants from nuisance behaviour is an important responsibility of all social landlords, but it can be difficult for landlords to balance the rights of tenants who are complaining about antisocial neighbours with the landlord’s duties towards vulnerable tenants who may require support. 

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Repossession, Social Tenancies, Adviser

Social Development Minister, Mervyn Storey MLA, has announced that he is increasing funding to the Mortgage Debt Advice Service, provided by Housing Rights, by 50%.

The increase in funding will enable Housing Rights to provide valuable support to more people who are in mortgage crisis and further help reduce the risk of people facing homelessness and repossession.

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Repossession

“Supporting households to reduce debt is not only important for those individuals and their families but will be at the heart of a functional housing market and prosperous economy.” Housing Repossessions Taskforce, Final Report, February 2015

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Repossession, Policy

Back in August, we brought you news of an important and potentially far reaching decision in one of our legal cases.  The case involved some of our Mortgage Debt Advice Service clients who had taken out Bank of Scotland mortgages.  Bank of Scotland appealed the decision, but has now withdrawn this appeal. 

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Repossession, Legal

Advisers and solicitors working with rural clients affected by repossession may not be aware of the impact that certain planning clauses may have on their clients’ options.  Permission to build certain rural dwellings may have been granted subject to a clause requiring that the property be occupied by a farmer or farm worker.   This type of clause can help you negotiate with a lender who is threatening legal action to repossess the property.

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Repossession, Legal

The latest NI Repossession statistics have been published by the Courts and Tribunal Service, showing a welcome fall in cases reaching court.  The report shows statistics for July – September 2014.

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Repossession

People from all walks of life end up in the Chancery Court in Belfast, facing the possibility of losing their home.  Sharon and Stephen are one such couple, who got help from our Housing Possession Court Duty Scheme last month, after meeting specialist representative Maria McNally at court. 

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Repossession, Practical tips, Affordability

Going to court and facing the possibility of eviction or repossession creates unimaginable stress for many people.  Every day Housing Rights Service sends two specialist advisers, Maria and Eamonn, out to court hearings across Northern Ireland to offer free advice and representation to people who are attending court to try to save their homes.

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Repossession, Social Tenancies, Private Tenancies

Representatives from Housing Rights Service will be contributing to a Housing Repossessions Taskforce Conference being held today in Belfast. The conference will open up discussion on a range of options currently under consideration by the Respossession taskforce, a group set up in February 2014 by Nelson McCauseland.

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Repossession

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