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Bank Repossession - furniture too.....????

When a bank repossesses your house can they take your contents or do you get a chance to remove them? Mary

Hi Mary.  A bank repossession of a home is a very traumatic event and its even worse if your contents are at risk.

The answer to your question is that it depends on what the court order says. 

When a repossession order is issued it is sent to sheriff in a city or the county registrar in the county, which is an order to repossess the property.  There may also be a part of the order that says that contents are to be seized in part payment of the debt and if this were the case your contents would be liable to be seized but this is rare. 

In reality what normally happens is that the Sheriff of the county registrar will give you about 10 days notice to say that they intend to turn up at the house and that you should be ready to move.  This gives most people time to move their contents out and to have alternative accommodation.  Forcible eviction are very rare nowadays. 

Incidentally I should say that if you are being evicted from your house you are therefore by law “in need of housing” under the Housing Act 1966 and as such the housing authority – which is the local authority, is obliged to immediately house you.  Bring a copy of the order to the housing officer and take it from there.

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