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Mortgage fraud

Investigations into mortgage fraud have risen in recent years in response to tighter regulations on mortgage lenders. As a result, more individuals may find themselves affected by mortgage fraud.

Discovering you’ve been the victim of mortgage fraud can be stressful and confusing. At Smith Roddam Solicitors our fraud experts can investigate what has happened and help protect you and your home. If you’ve been accused of mortgage fraud our expert criminal defence solicitors can explain what will happen next and help you defend your case.

If you are affected by mortgage fraud, you may receive demands for payments that you cannot afford. Our experienced team will investigate what has happened and explain what you need to do next. We can help you negotiate with your mortgage lender and will do all we can to help you protect your home.

Mortgage fraud covers a range of offences where a mortgage lender has been deceived. You may not always be aware that a fraud has been committed – for example, if a friend or relative has completed documentation on your behalf without your knowledge. Mortgage fraud covers a wide range of issues where false information has been provided to the mortgage lender. This could include providing incorrect details about your income, misleading the lender about your existing debts, or covering up the true value of a property. The action that a mortgage lender will take depends on a number of factors from the severity of the deception to whether you are able to keep up your mortgage repayments.

If you’ve been the victim of mortgage fraud or have been accused of mortgage fraud, talk to one of our experienced solicitors. We can provide the support and advice you need to resolve the issues you are facing. We offer free initial assessment, so you can find out what options are available without obligation. For further help and confidential advice about mortgage fraud, please call us on 01388 881 611.

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Neil Thompson
Partner
Bishop Auckland
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Debt

When you’re struggling to deal with debt, it’s easy to feel out of control. The first step to getting back on track is to ask for help.

Bailiffs

When struggling with debt, many people worry about bailiffs visiting their home. And if you’ve been threatened with bailiff action, it can feel intimidating. The good news is that, like any other profession, bailiffs have a code of conduct that they must abide by and they have a duty to treat you fairly. At Smith Roddam Solicitors we can help ensure this happens.

Bankruptcy

If you owe money that you cannot pay, you may decide to declare yourself bankrupt. In some situations, if you owe £750 or more, the people you owe money to may apply to make you bankrupt. Becoming bankrupt is often seen as a last resort but, for some, bankruptcy can be a relief – putting an end to months or years of financial uncertainty.

County court judgments

If you have been unable to pay debts that you owe, the companies you owe money to can take court action against you. If you still fail to pay, you may receive a county court judgment (CCJ).

Debtors and debt management

When debts begin to mount up, you can find that several companies are asking you for money at once.

Mortgage fraud

Investigations into mortgage fraud have risen in recent years in response to tighter regulations on mortgage lenders. As a result, more individuals may find themselves affected by mortgage fraud.

Small claims court

If you owe money to a person or company and have been unable to pay, they may take legal action and use the small claims procedure to recover the money from you.

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