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Eviction and repossession

If you fall behind with mortgage or rent arrears it’s important to act quickly. Not repaying arrears to your landlord or mortgage lender can have serious consequences and could lead to you being evicted from your home, or having it repossessed.

You should always keep your landlord informed about any rent arrears, or lenders about any mortgage arrears, so they can discuss your options with you. They may be able to help you repay the arrears by spreading them out over a period of time on top of your current payments.

We can also help you work out how much extra you can afford to pay towards any arrears by putting together an accurate budget. Use our debt advice tool to get expert advice and a personalised budget that includes advice and solutions on dealing with rent or mortgage arrears.

In this section we’ll look at how to deal with rent or mortgage arrears, what to do if you’re struggling to pay your arrears, and how to deal with eviction and repossession.

In this section:

  1. Eviction for rent arrears
  2. House repossession

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 Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

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*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2019