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James Mather
James Mather,
Category: Bankruptcy Law
Satisfied Customers: 22629
Experience:  Senior Partner at Berkson Wallace
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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:  James Mather replied 4 years ago.

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.


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

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

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

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
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