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 them. 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 your getting help, contact us and we’ll 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 are more likely to go to court.
A repossession 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 call our Helpline on 0800 138 1111. Our expert advisors will give you specialised advice on the repossession process. We might be able to help you come to an arrangement with your lender before the case goes to court.