This applies to a property which is unoccupied and in possession of the mortgagee (bank or building society) under the terms of the mortgage. The property owner will continue to be liable although the bank or building society holds the keys. The property will remain exempt until the bank or building society has dealt with the property.

Evidence required

A letter from the bank or building society confirming the date that the property was repossessed.

How to apply

You need to apply in writing for this exemption.

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