phoneTwitterFacebook
ear
 
When everyone has a home

Housing advice for Northern Ireland

Possession order

CORONAVIRUS UPDATE

Your landlord can only end your tenancy by following the correct process. Secure Housing Executive and housing association tenants can only be evicted if a court believes that they have broken the tenancy agreements. It's easier for a landlord to evict an introductory tenant, but the landlord still has to get a court order. Think carefully and get advice before you take any action to end your tenancy. It can be difficult to get a new social tenancy if you've given one up.

You will normally only be able to stop the repossession if you can pay the arrears off in a lump sum or in acceptable instalments. However, there are a few legal defences that could help your case.

It's essential that you get help and advice if you're struggling to pay your mortgage. The sooner you start dealing with your mortgage debts, the more options you'll usually have. If you ignore the problem it becomes harder to manage and you could end up losing your home.

You can be allowed to stay in your home after a repossession hearing. This may be because there wasn't a good enough reason to repossess the home or because the Master believed you should be allowed to stay to give you time to put the situation right.

You should only give back the keys to your property if you're absolutely sure that there's no way you can keep your home. Make sure you speak to an adviser at our Mortgage Debt Advice Service before you take this drastic step.

If your home is repossessed you will need to find somewhere else to live. If you lost your home because of debt problems it may be more difficult to find a place to rent or buy.

If you haven’t been a Housing Executive (NIHE) or housing association tenant for the last year, you’ll probably be an introductory tenant. After 12 months you’ll become a secure tenant and it will be more difficult to evict you.

When your home is repossessed it is usually sold to pay off your debts. This will also happen if you hand over the keys to your home voluntarily. The money you get may not be enough to cover everything you owe.

The Housing Executive and housing associations should only evict tenants as a last resort. These landlords will usually only start legal action to evict if other ways of sorting out any problems have failed.

Housing associations and the Housing Executive can end a tenancy without going to court if they suspect that a property has been abandoned, but the correct procedure has to be followed. If you're worried about eviction you should speak to someone urgently. Advisers at Housing Rights may be able to help you stay in your home.

Pages

Subscribe to RSS - Possession order Subscribe to Possession order