It's still home

We were asked by a bank client to visit one of their customers at home and try to interview him to establish his means and ability to repay his debt.

On arriving at the property we found it to be a two storey derelict cottage and completely uninhabitable. It was clear that there were serious structural problems with the building, and the site included a number of portacabins as well as a considerable amount of rubbish.

We spoke to a number of local residents and obtained information which led us to a new address for the subject where we were able to interview him. Clearly his circumstances were not good, and the condition of his property was such that a sale would not be straightforward. However, by being able to get a close understanding of his circumstances (our client was not aware of the property condition) and finding that he was helpful towards our enquiries we were able to go back to our client and help them reach a mutually acceptable agreement. This would not have happened without a visit to the address.