Ground rent and service charge arrears

This information is for homeowners who are leaseholders.
If you are a homeowner with a leasehold, rather than freehold, you will be getting regular bills for ground rent and service charges.
Get more information about ground rent and service charges
If you have arrears the freeholder could, in certain circumstances, take court action to repossess your home. 
More commonly, the freeholder asks the mortgage lender to pay the arrears and the mortgage lender does so. Neither the freeholder nor mortgage lender needs your permission for this to happen. It increases your mortgage debt and can lead to mortgage arrears.
If you have ground rent or service charge arrears, contact your freeholder as soon as possible to make an arrangement to pay.
If you are sorting out debt problems, start at the beginning of this guidance, otherwise you may miss valuable information.

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