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Repossession Orders: Mortgages

Volume 496: debated on Thursday 16 July 2009

To ask the Secretary of State for Justice how many mortgage possession orders were made in each county court in the east of England in each of the last five years. (286267)

The following table shows the number of mortgage possession orders made in the county courts of east of England Government office region for 2004 to 2008.

These figures can also be obtained from the Ministry of Justice website, released quarterly and can be viewed at

http://www.justice.gov.uk/publications/mortgatelandlordpossession.htm

These figures do not indicate how many homes have actually been repossessed. Repossessions can occur without a court order being made while not all court orders result in repossession.

The civil procedure rules state that all claims for the repossession of land must be commenced in the district in which the land is situated. However, geographical boundaries of county courts may not necessarily be consistent with other administrative or constituency boundaries, and therefore any single court’s repossession actions are likely to relate to homes in a different number of boroughs.

Number of mortgage1 possession orders made2, 3 in the county courts of the east of England Government office region, 2004 to 2008

2004

2005

2006

2007

2008

Basildon

612

910

1,048

1,050

1,198

Bedford

186

311

269

293

309

Bury St. Edmunds

124

191

220

235

263

Cambridge

194

266

327

348

430

Chelmsford

226

355

381

382

484

Colchester

385

542

695

778

1,009

Harlow

183

258

310

335

379

Hertford

86

134

201

162

186

Hitchin

183

288

323

350

376

Huntingdon

121

153

229

174

232

Ipswich

224

287

358

328

421

King's Lynn

165

273

378

375

463

Lowestoft

197

297

284

286

388

Luton

458

718

858

820

946

Norwich

251

414

490

428

735

Peterborough

300

521

719

593

892

Southend-on-Sea

416

620

657

606

760

St. Albans

78

102

158

154

202

Watford

258

418

516

515

661

East

4,647

7,058

8,421

8,212

10,334

1 Includes all types of mortgage lenders.

2 The court, following a judicial hearing, may grant an order for possession immediately. This entitles the claimant to apply for a warrant to have the defendant evicted. However, even where a warrant for possession is issued, the parties can still negotiate a compromise to prevent eviction.

3 Includes outright and suspended orders, the latter being where the court grants the claimant possession but suspends the operation of the order. Provided the defendant complies with the terms of suspension, which usually require the defendant to pay the current mortgage or rent instalments plus some of the accrued arrears, the possession order cannot be enforced.

Source:

Ministry of Justice