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<h1>Adfeddiannu cartrefi</h1>
<p class="secb">
<img src="../../media/196/EF/an_housingandhomelessness_2.jpg" alt="" class="infopic" width="144" height="94"/>Beth i�w wneud os ydych mewn perygl o gael eich cartref wedi ei adfeddiannu gan eich landlord, yn cynnwys adfeddiannu oherwydd eich bod yn methu parhau i dalu�ch taliadau morgais.
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<h2>Gwybodaeth a chyngor o wefannau eraill</h2>
<ul class="otheradvice">
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<h3><a href="http://england.shelter.org.uk/get_advice/repossession" target="_blank">Repossession</a></h3>
<p>As a home owner, you can only be evicted if your lender or freeholder has a legal reason (grounds) and the correct procedure is followed. Repossession doesn't happen automatically. It may be possible to stop the eviction at any stage in the process. (Applies to England only)</p>
<p class="from"><i>From:</i> Shelter</p>
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<!-- Either showCount or all -->
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<h3><a href="http://england.shelter.org.uk/get_advice/repossession/mortgage_arrears" target="_blank">Mortgage arrears</a></h3>
<p>Information on the options that you may have if you find yourself in mortgage arrears. You'll need to act quickly, even if the problem is only temporary.</p>
<p class="from"><i>From:</i> Shelter</p>
</li>
<!-- Either showCount or all -->
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<h3><a href="http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=11_mortgage_shortfalls" target="_blank">Mortgage shortfalls</a></h3>
<p>Explains what a mortgage shortfall is and how long you can be pursued for the debt. Includes what to do if you dispute the amount and how to negotiate repayments.</p>
<p class="from"><i>From:</i> National Debtline</p>
</li>
<!-- Either showCount or all -->
<li>
<h3><a href="http://england.shelter.org.uk/get_advice/repossession/ordered_to_leave" target="_blank">Ordered to leave</a></h3>
<p>Explains what happens if the court decides that you should be evicted, the bailiffs' role in evicting you, and what will happen to your home and to any mortgage debts you have. Also outlines how the repossession could affect your future housing options. (Applies in England only)</p>
<p class="from"><i>From:</i> Shelter</p>
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<h3><a href="http://england.shelter.org.uk/get_advice/repossession/allowed_to_stay" target="_blank">Repossession - allowed to stay</a></h3>
<p>You may have been allowed to stay in your home after a repossession hearing. This may be because there wasn't a good enough reason to evict you or because the judge believed you should be allowed to stay, on the condition that you can put the situation right (for example, by paying off your arrears) within a certain amount of time. This page only applies to England.</p>
<p class="from"><i>From:</i> Shelter</p>
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<h3><a href="http://england.shelter.org.uk/get_advice/repossession/going_to_court" target="_blank">Home ownership - going to court</a></h3>
<p>If you are a homeowner, you can only be evicted if the court makes an order telling you to leave. Explains what happens if you are taken to court. (England only)</p>
<p class="from"><i>From:</i> Shelter</p>
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<!-- Either showCount or all -->
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<h3><a href="http://www.adviceguide.org.uk/index/life/debt/mortgage_rescue_schemes.htm" target="_blank">Mortgage rescue schemes</a></h3>
<p>Information on schemes which help homeowners who are struggling to pay their mortgage, including private and government-run schemes and those run by social landlords, and where to find financial advice.</p>
<p class="from"><i>From:</i> Adviceguide from Citizens Advice</p>
</li>
<!-- Either showCount or all -->
<li>
<h3><a href="http://england.shelter.org.uk/get_advice/repossession/mortgage_arrears/government_help_for_homeowners" target="_blank">Government-funded help for struggling homeowners</a></h3>
<p>Several Government-funded measures are now available to help people who are finding it increasingly difficult to pay their mortgages as a result of the economic downturn.</p>
<p class="from"><i>From:</i> Shelter</p>
</li>
<!-- Either showCount or all -->
<li>
<h3><a href="http://england.shelter.org.uk/get_advice/repossession/repossession_by_a_landlords_lender" target="_blank">Repossession by a landlord's lender</a></h3>
<p>Your landlord's lender may try to repossess the property you are renting if your landlord does not keep up with their mortgage payments. If this happens, you may have some protection from eviction if your tenancy is binding on the landlord's lender. If not, your options will be more limited. Information on how you can get help if you are in this situation.</p>
<p class="from"><i>From:</i> Shelter</p>
</li>
<!-- Either showCount or all -->
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<h3><a href="http://www.adviceguide.org.uk/index/life/debt/what_happens_when_your_mortgage_lender_takes_you_to_court.htm" target="_blank">What happens when your mortgage lender takes you to court?</a></h3>
<p>Information on what a lender must do before seeking possession, including pre-action protocols, and decisions a court can make. (Applies in England only)</p>
<p class="from"><i>From:</i> Adviceguide from Citizens Advice</p>
</li>
<!-- Either showCount or all -->
<li>
<h3><a href="http://www.adviceguide.org.uk/index/life/debt/your_mortgage_lender_takes_you_to_court___how_to_prepare_for_the_court_hearing.htm" target="_blank">Your mortgage lender takes you to court - how to prepare for the court hearing</a></h3>
<p>Information on what to do before a possession hearing, information to take to court, who can accompany you and what will happen during the hearing.</p>
<p class="from"><i>From:</i> Adviceguide from Citizens Advice</p>
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<h2>Ein dewisiadau rhagorol</h2>
<div class="advice">
<h3><img src="../../media/196/EF/an_housingandhomelessness_2.jpg" alt="an_housingandhomelessness_2.jpg" height="94" width="144" title="an_housingandhomelessness_2.jpg" class="advicepic"/><a href="../../cy/webguides/losingyourhome.html">Alla i gael cymorth os nad oes gennyf le i fyw ynddo?</a></h3>
<p>Ffeindiwch allan beth allech wneud os ni allech aros yn eich cartref.</p>
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<h3><strong><a href="../../cy/legalhelp/leaflets.html">Taflen rhentu a gosod</a></strong></h3>
<p>Eich hawliau cyfreithiol, os ydych yn rhentu fflat, tŷ neu ystafell fyw a chysgu. Os ydych yn landlord preifat, dysgwch am eich hawliau a’ch dyletswyddau i’ch tenantiaid.</p>
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<hr/>
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<p><img src="../../media/196/F0/an_housingandhomelessness_4.JPG" alt="an_housingandhomelessness_4.JPG" height="94" width="144" title="an_housingandhomelessness_4.JPG" class="advicepic"/></p>
<h3><strong><a href="http://www.direct.gov.uk/en/HomeandCommunity/WhereYouLive/NoiseNuisanceAndLitter/index.htm">Anghydfodau mewn cymdogaeth a chymuned</a></strong></h3>
<p>Eich hawliau mewn perthynas â phroblemau gyda’ch cymdogion, p’un ai ydych yn cwyno am eich cymydog neu fod y cymydog yn cwyno amdanoch chi.</p>
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<h3><strong><a href="../../cy/legalhelp/leaflets.html">Prynu a gwerthu eiddo</a></strong></h3>
<p>Sut i ddelio â llawer o’r problemau cyffredin a fo gennych ynglŷn â phrynu neu werthu tŷ neu fflat.</p>
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