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Hello my name is Jamie and I will help you. I am just reviewing your question. This is an email service so there may be delays when responding.
What is it you want to know about this today please?
They had a Court order to take possession?
Ok - you can't get it back. It doesn't belong to you.
But the good news is though if they sell it, the mortgage will be discharged. The fact you have made payments reduces that sum.
Then you are entitled to the balance.
I am sorry if this is not the answer you want, nor the one I want to give you, but I have a duty to be honest.
Can I clarify anything for you about this today please?
But if they took possession you should have reapplied to Court.
You don't have actual possession. You should have gone back to Court.
Does that clarify?
You can try. But you were repossessed. Any agreement to repay mortgage came to an end.
I am sorry. You have waited 2 years to deal with this when the law states you had 28 days.
You will simply be out of time. I am so sorry.
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