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House repossession. What to do to avoid losing your home.

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.

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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 reposession advice

If you’ve received court paperwork or you've got a court date coming up soon, contact us.

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.

"Get in touch with StepChange, you'll wish you'd done it sooner" Rob, Wiltshire

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.

*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 2017