Can Isue for damages after the bank changed thelock ona home when the mortgage is up to date?

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Can Isue for damages after the bank changed thelock ona home when the mortgage is up to date?

The house was not abandoned; contact had been kept with the bank about us moving to another state. We had renters and they moved out. However before they could get all of their items out, the bank changed the locks. People have heard that the bank has foreclosed because of stickers put on the door. New locks were drilled out and a paddle lock contraption was screwed onto a new door to the garage. The ripple effect – people broke in and stole stuff; the house was listed with realtor but people stopped looking because they were waiting for the auction.

Asked on July 11, 2011 under Real Estate Law, Maine

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

If the mortgage was current on your property then the bank holding the mortgage had no right to change the locks on it.

However, from what you described, the cause of damage to the home was not due to new locks being put on the home by the bank, but rather people coming by and breaking into a vacant home. From what you described in your question, you have no evidence that anyone with the bank took any belongings from the home.

Was a police report filed? Was there insurance in place on the property? If there was an insurance policy in place, you should make a claim to your insurance carrier for the damages assuming you still are on title to the property.


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