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Stuart J
Stuart J, Solicitor
Category: Bankruptcy Law
Satisfied Customers: 22621
Experience:  PGD Law. 20 years in legal profession, 6 as partner in High St Practice
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I have a question about legal recovery post property repossession.

Customer Question

I have a question about legal recovery post property repossession. What is the process for serving the debtor post repossession and sale of a property where the shortfall that the bank is seeking to recover is £51000? In addition, I have the following questions:

1. Does the debtor have to be served in person?
2. If not, can the lender obtain a judgement in absence? And what are the mechanisms of being served?
Submitted: 4 years ago.
Category: Bankruptcy Law
Expert:  Stuart J replied 4 years ago.


Hello,
I am Law Denning and I am a practising solicitor in a High Street practice. I
have been an expert on this website in UK law since 2008. During that time, as
you appreciate, I have answered thousands of questions from satisfied users on
a variety of subjects. Because we are all in practice with clients and court
and other users, I might not always respond in minutes, particularly evenings
and weekends. Please bear with me in that case.

I am
on and offline all day today with clients.



Meanwhile, it is my pleasure to try and assist you with this today.

 



Docs
have to be served at last known address or latest known address or current
address. They can be dropped through the letterbox or given to anyone in the
house.

They
will follow your for the shortfall anywhere they can find you.



If
you now have the docs they are served and you cannot claim that they are not.



Provided
they have proof of posting, then in law you have received them although
judgements can sometimes be set a side for a time but will still have to be
defended later.



If you
don't attend court the lender will get judgement in yr absence





Does that answer
the question.? Can I assist any further?



I am happy to
follow up any individual point you make



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off-line each day and most weekends so please bear with me if I do not come
back to you within nanoseconds.





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