We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Calls are free from all major mobile networks.
StepChange Debt Charity logo

Free advice on problem debt
based on what's best for you

Request a call back »
Or call us on 0800 138 1111Mon-Fri 8am-8pm, Sat 8am-4pm

House repossession

House repossession is a legal process where a mortgage lender or secured loan provider takes ownership of a property.

Lenders only start court action to repossess your house as a last resort. If your lender contacts you about your mortgage arrears or secured loan arrears don’t ignore them.

The best thing you can do is talk to your lender. Let them know about your situation and the steps you’re taking to get your payments up to date.

They are more likely to help you if they know you're getting help. Contact us and we’ll help you put together a tailored household budget and advise you on the best way to deal with your mortgage payments.  

If your lender can’t contact you they're more likely to go to court. 

Need debt help now?

Get expert debt advice & a personalised debt solution

FREE online debt advice   20 mins

Try Debt Remedy

Possession hearings

A possession hearing takes place so that a judge can decide whether you can afford to keep your property. It doesn’t automatically mean that you'll lose your house.

Even if you've been given an eviction date, it's not too late to solve your problems.

House repossession advice

If you’ve received court paperwork or you've got a court date coming up soon call our Helpline on 0800 138 1111 (freephone, including all major mobile networks*). Our expert advisors can give you specialised advice on the repossession process. We may also be able to help you come to an arrangement with your lender before the case goes to court.

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me." (Leslie, Essex)

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

* Major mobile networks include Orange/EE, O2, Vodafone, T-Mobile, Three, Tesco Mobile and Virgin Mobile. Call charges from other networks may vary.