Mortgage Loan with Disputes

We recognise that this is not just about pounds and pence or even bricks and mortar

This is about the home that you bought for your own and your family’s future

When you take out a mortgage to buy your new home you do not expect to have to sell it until you want to move. Unfortunately, as we all know only too well from recent years, circumstances change: you may lose your job or interest rates may rise unexpectedly so that monthly mortgage instalments which were once affordable now become impossible to pay.

The bank or building society may be patient for a while but at some stage if the arrears build up they will start possession proceedings. If that does happen to you we are here to help.

Our specialist property dispute experts will go carefully through the full history of the mortgage with you calling upon their many years of experience to give you clear, practical and cost effective advice as to what you should do.

At an early stage we will contact the bank or building society to see if we can either negotiate a reduction in your payments with a view to removing the threat of eviction, or try to agree a reasonable period for you to sell the property yourself. We recognise that this is not just about pounds and pence or even bricks and mortar. This is about the home that you bought for your own and your family’s future.

To speak to one of our property litigation experts who can help you deal with a dispute about your mortgage please call, email or request a call back from one of our specialist property dispute lawyers.

Who to contact

Jane Crosby

Partner, Head of Dispute Resolution & Accredited Mediator

Partner, Head of Dispute Resolution & Accredited Mediator

Jane Crosby

Jane is a Partner based in the Guildford office and she is also Head of the Dispute Resolution team here at Hart Brown. Jane specialises in employment Law and commercial litigation and brings more than 15 years' experience to her role.

Prior to entering the legal profession, Jane was employed in the aviation industry. This experience is appreciated by many of Jane's clients who note that she is able to take a commercial and pragmatic approach to any legal issue that they face.

Jane acts for a wide range of individuals and businesses and her areas of specialism include aviation, property related industries and IT. Jane regularly advises on aspects of employment law, such as settlement agreements, employment contracts, policies and procedures, redundancies, equal pay, data protection, issues arising from TUPE and reorganisations, the calculation of holiday pay, bonus and commission payments, disciplinary and grievance issues, dismissal and termination issues, the protection of confidential information and the enforcement of restrictive covenants. Jane gets involved in GDPR training for her clients and she is able to deliver tailored employment law training sessions upon request.

As a commercial litigation lawyer, Jane also deals in shareholder and directors disputes, commercial contract disputes and the enforcement of restrictive covenants.

Jane has been involved in successful high value commercial litigation for clients in the High Courts, she is an accredited mediator and she is a member of the Employment Lawyers Association.

Jane is often asked to write for a number of well known publications, including The Daily Mail, The Telegraph and The Week and she has been interviewed on BBC Radio 4.

Here is small selection of the feedback that Jane has received:

“Jane, I cannot sincerely thank you enough for your wise counsel and am delighted to have made your acquaintance. If I am blessed with a new position somewhere I will hand over my contract in the first instance to you. Likewise, any of my friends, peers, romans and countrymen wanting advice, I will point them in your direction.”

“Jane, you have been most resilient on my behalf for which I sincerely thank you for all your endeavours. I have a tremendous working relationship with Hart Brown and you have undoubtedly compounded this further."

“I appreciated the clarity of advice given at a stressful time”.

“A sensitive and highly professional approach and efficient work in the interests of the client”.

“Your advice, conduct and assistance have been indeed outstanding and very professional but also – and most importantly – very humane”.

Lucy Penfold

Senior Solicitor, Dispute Resolution

Senior Solicitor, Dispute Resolution

Lucy Penfold

Lucy is a Senior Solicitor in the Dispute Resolution team here at Hart Brown and specialises in property litigation and contentious trusts and probate.

Lucy completed her law degree at Kingston University before completing the Legal Practice Course at the College of Law in Guildford (now the University of Law). Lucy qualified in 2012 and brings with her general commercial litigation experience from Central London and Surrey law firms.

A member of the Property Litigation Association, Lucy deals with all areas of property litigation including varied landlord and tenant disputes, evictions, neighbour disputes, boundary disputes, commercial property disputes, property disrepairs and dilapidations.

Lucy also deals with various contentious probate matters, including interpreting the terms of wills, brining or defending claims to contest wills or trusts, and executor removal disputes.

Lucy’s general commercial litigation experience allows her to have a pragmatic and commercial approach to any legal issue faced.

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