Are you, or someone you know, facing repossession? If someone is missing their mortgage repayments, the lender is able to take them to court. However, this does not guarantee that your house will be repossessed – and there are steps you can take to stop this from happening.
The N244 form is incredibly useful to anyone whose house is being repossessed by a mortgage lender. You can use this form to prevent the repossession, and make your case to a court.
But how exactly do you complete the N244 form? And can you do so without legal assistance? Read our blog below to find out.
What is an N244 form?
An N244 form in the UK can be used to ask a court to cancel an order to repossess your property. In this instance, a judge will look at the details of your case and decide if there will be a court hearing.
When submitting an N244 form, you will have to demonstrate that you have a repayment plan for the remaining mortgage amount. You should apply for a court hearing at least 3 days (but preferably more) before your eviction date, so there is sufficient time for the court to review it and decide if it will stop the eviction. If you submit the form too late, such as on the day of the eviction itself, then you may be evicted while at court.
The N244 form can come into effect very quickly – in some instances, it could be the very next day. Whether you are evicted will depend on the judge’s decision, so it is critical that you submit the form on-time with all the correct sections filled in, so that eviction can be stopped.
If you want to get hold of an N244 form, then you can download it for free from the UK government website. However, to make an application on notice, you will usually have to pay a fee of £275.
Why is an N244 form important?
An N244 form is essential to ensure that you are not evicted from your home. If you do not have alternative living arrangements that you can rely on, then it can be the final resource available to someone who wants to keep living in their house. If you don’t fill it in correctly and on-time, then you may lose your house altogether.
How to Complete the N244 Form When Facing Repossession
The N244 form is an important and complicated form – so it is essential that you complete it correctly when facing repossession.
The most important thing is that you complete your N244 form without any errors. This requires you to put the correct information for all the following sections of an N244 form:
- Your details
- The capacity in which you are making the application
- Why you are making the application
- Whether you are attaching a draft order with your N244 form
- How you would like the hearing to take place
- When the hearing will take place, with which level of judge
- Who the application will be served to
- Any evidence that you will rely on
- Date and signature
Some of these sections – such as the first and final section – are more straightforward than others. For some of the more vague categories, such as why you are making the application, it may be valuable to have independent legal guidance.
Should I get legal support when completing an N244 form?
Whether you choose to get legal support when completing an N244 form is completely up to you – however, for the best result, it is highly recommended that you consult with a legal expert. This person can ensure that you complete the form without any errors, and that you have given yourself the best possible chance of success.
Finding the funds to pay a legal expert to help you with this may be challenging, because if you do not have the money to make your mortgage repayments, you may also struggle to raise the funds for this. However, if you can find a way to afford this assistance, then it is recommended that you use it.
Sell your property with WeBuyAnyHome
Using our own funds, we will purchase your property at a set price, by a date of your choosing, fully managed from beginning to end.
Any location, any condition, we buy any house. We can provide you with an offer for your UK property – Cardiff to Clyde, Durham to Dover. Our specialist team have helped assist thousands of people to a quick and stress-free house sale.
Fill in our enquiry form below if you are interested in getting a cash offer for your house.