Home Owners: Helping you to keep your home and where to get advice

Once your home has been repossessed and the locks have been changed it will be too late to do anything about this. Even if a court order (decree) has been granted for the repossession of your home it might still be possible to save your home prior to the locks being changed.

It may be possible for a solicitor to lodge a Minute for Recall of Decree under the Home Owner and Debtor Protection (Scotland) Act. To do this, an application has to be made to the Court and your case will call again before the Sheriff. If you need to see a solicitor remember to bring the following paperwork:

• the Court papers served on you,
• proof of your income,
• a recent bank statement, and
• letters from your lender or Sheriff Officer

You will not be able to make a late application if you had already defended the case and made an application under the Act earlier. 

If you have no prospect of saving your home or become homeless, Glasgow City Health and Social Care Partnership may have a duty to provide you with temporary or permanent accommodation, depending on your circumstances. 

Your local Community Homeless Team is listed in the next section and can give more information and help. You can also get independent advice on your legal rights from one of the advice agencies listed in the next section.