Housing Advice Services

Over the past ten years the complement of housing cases has changed considerably.  Ten years ago there were still a considerable number of damp houses in the areas where we worked.  These have reduced considerably with the expenditure of public funds to improve the condition of the housing stock. 

 


Housing Problems We Help With

We have therefore concentrated on different types of housing problems.  These have included primarily problems of homelessness and rent and mortgage arrears, and problems of anti-social behaviour.  Housing disrepair is still a substantial problem for many people and we do still take on a significant number of clients in this area.  However the number of clients has reduced from around 20% of our caseload to around 10% or even less now.


Homelessness

The Law Centre is particularly active in addressing problems of homelessness.  We have adopted a wide range of strategies in doing this.  The number of cases of rent arrears we are dealing with has increased substantially. 

The legislation governing homelessness changed at the end of 2012. In general, if you are assessed as being unintentionally homeless, through no fault of your own, you have the right to settled accommodation.


Helping with Mortgage Arrears / Support for Home Owners facing repossessio
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The Mortgage Rights (Scotland) Act 2001 has been extremely helpful in providing a means of dissuading mortgage lenders from aggressively pursuing home owners in arrears with their mortgage.  The number of cases we are dealing with in this area is increasing substantially and the Law Centre has a commitment to continuing to publicise the advice and representation it can give in these cases.  The number of mortgage arrears cases being taken to court is likely to increase substantially over the coming months and we shall try to reach as many people as possible and provide them with representation to prevent lenders ejecting them from their property. 

If you are in danger of having your home repossessed, you may be able to get help from the Scottish Government’s Home Owners Support Fund mortgage to rent scheme. Under the scheme, the HOSF arranges for a social landlord to buy your home, allowing you to continue to live there as a tenant.

Under the Mortgage to Shared Equity scheme, the Scottish Government takes a financial stake in your home. You  continue to own your home and but will be able to reduce the amount you pay to your lender.

The Law and Money Advice Centre can offer impartial financial advice and assist with applications to the HOSF to help you to stay in your home


Uniquely Positioned

The Law Centre is in a unique position in South East Glasgow for providing free legal advice and representation to local people. 

 

 

Supported by:
Scottish Government GAIN GAIN GAIN Citizens Advice Bureau

Castlemilk Law & Money Advice Centre - registered office is 155 Castlemilk Drive, Glasgow G45 9UG. Scottish charity number SC027619.