How to Stop Repossession – Lessons from 20+ Years on the Front Line

Falling behind on your mortgage can feel frightening, urgent, and overwhelming. Those letters from your lender might seem like the beginning of the end – but repossession is very rarely inevitable.

In this video, Ruban Selvanayagam (co-director at Property Solvers) share what he's learned from over two decades working directly with homeowners facing repossession.

You’ll learn how the process really works, what your rights are, and the practical steps you can take to stop it – including when selling makes the most sense.

Here’s what's covered:
⚖️ Your legal protections – from the Pre-Action Protocol to FCA rules and the Mortgage Charter
📞 What to do if you’ve just missed a payment (and why early action is critical)
📅 What happens at 1, 2, and 3 months in arrears
🏛️ How to prepare for court hearings and what judges actually look for
💬 The power of communication — and how lenders really view your situation
💡 Free, independent help from Citizens Advice, National Debtline and other charities
🏠 When selling may be the best route – and how to choose between a cash buyer, auction, or estate agency
🧾 Real-world examples of how homeowners stopped repossession and rebuilt from there

And most importantly…
🚫 Why repossession isn’t the end — and how taking control early can save your home, your credit record and your peace of mind.

If you’d like free, confidential advice about your own situation — or want to discuss your options for a quick or auction sale — get in touch at info@propertysolvers.co.uk, call 0800 044 3696 or visit us at www.propertysolvers.co.uk

#StopRepossession #StopHouseRepossession #propertysolvers #ukproperty #sellhousefast

✋ HELP & RESOURCES ON STOPPING HOUSE REPOSSESSION
✅ How to Stop Repossession (Property Solvers Guide): https://www.propertysolvers.co.uk/blo...
✅ Shelter: 0808 800 4444 or https://england.shelter.org.uk/get_help
✅ Citizens Advice: https://www.citizensadvice.org.uk/
✅ National Debtline: 0808 808 4000 or https://www.nationaldebtline.org/
✅ Business Debtline: 0800 197 6026 or https://www.businessdebtline.org/
✅ Debt Advice Foundation: 0800 043 4050 or https://www.debtadvicefoundation.org/
✅ The Money Charity: https://themoneycharity.org.uk/

👉 THINKING ABOUT A FAST HOUSE SALE?

Sell House Fast: https://www.propertysolvers.co.uk/sel...
We Buy Any House: https://www.propertysolvers.co.uk/we-...
House Buying Companies Compared: https://www.propertysolvers.co.uk/art...
Property Solvers Blog: https://www.propertysolvers.co.uk/blog/
Property Solvers Articles: https://www.propertysolvers.co.uk/art...

📌CHAPTERS

00:00 - Introduction to Stopping House Repossession
00:53 - Financial Conduct Authority (FCA) Mortgage Regulation
01:22 - Pre-Action Protocol for Possession Claims
01:41 - FCA’s Mortgage Conduct Rules
01:57 - Mortgage Charter
02:14 - Support for Mortgage Interest
02:27 - Housing Possession Court Duty Schemes funded by Legal Aid
02:41 - Financial Ombudsman Service
03:01 - Free and Independent Support
03:52 - 1 Month in Mortgage Arrears
05:32 - 2 Months in Mortgage Arrears
07:44 - 3 Months in Mortgage Arrears
08:21 - Court Hearings for Repossession Cases
10:18 - Selling Your Property to Stop Repossession
11:37 - Communicate With Your Mortgage Lender
12:34 - What Judges and Mortgage Lenders Respond To (Before Repossessing)
13:26 - How Property Solvers Can Help

📱PROPERTY SOLVERS SOCIAL MEDIA

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RUBAN SELVANAYAGAM
  / rubanselva  
Ruban Selvanayagam is a professional cash homebuyer, private rented sector landlord, auction specialist, blogger and media commentator.

JAMES DURR
  / james-durr-b1260a27  
James Durr is a passionate property entrepreneur with a strong foundation and a solid business background.