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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland


Cat Song is a second-year law student from Fordham University School of Law in New York, NY.  She is currently working at Housing Rights Service as a legal research intern studying comparative housing law in the different UK jurisdictions.   

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Repossession, Affordability, Opinion

About a year ago a number of advisers here found some of our clients who had previously secured a Suspended Possession Order (SPO) were running up against a peculiar problem.

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Repossession, Legal, Adviser

The Department for Social Development (DSD) has indicated in the Housing Strategy Action Plan a need to establish a working group to identify ways of lessening the impact of repossession in Northern Ireland.  Following a recent consultation event the Committee for Social Development has made recommendations to the DSD to assist in the formulation of this working group.

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Repossession, Affordability, NI Assembly

Many applications for possession orders are made by lenders who have a second charge on the defendant’s home.  Carmel Ferguson, Solicitor and member of the Legal Team at Housing Rights Service, discusses the Chancery Court’s approach to these proceedings when the property is in negative equity.

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Repossession, Practical tips, Legal

The Department for Social Development will be setting up a working group on repossession and negative equity. It will examine the extent of the problem and consider options for government intervention.

The current level of repossession actions in Northern Ireland is the highest in the UK.  Recent Courts & Tribunal Service statistics show that over 1000 cases were received to the High Court between January and March 2013, representing a 19% increase on the same period last year.

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Repossession, Affordability, NI Assembly

Denise Callaghan has worked as an adviser with Housing Rights Service for several years.  A key member of the Preventing Possession Initiative, Denise was Northern Ireland's first Duty Court Adviser for people at risk of repossession.  Here, Denise talks through her experiences advising worried homeowners.

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Affordability, Repossession

With demand for mortgage debt advice at an all time high, Housing Rights Service says a task force is needed urgently to tackle the problem of repossessions.  This follows publication of the latest Court Service figures which show the number of actions for possession have increased 33% in the last five years.


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