Home Repossessions.

If you are threatened with repossession for any reason, it is advisable to get help and advice straight away. Depending on your circumstances, the process can be stopped if you act quickly. If you are unable pay your mortgage or any other loan secured on your home, your lender can take legal action to get back the money you owe. It is usually always possible to avoid going to court.
An adviser may be able to help you to negotiate and avoid the time and expense of going to court. It's often possible to prevent arrears or disagreements from leading to repossession.
Repossession involves a number of stages, which can take a few weeks or months. Firstly, your lender, your freeholder or their solicitor, should write to you warning you that they are going to start court action. They will then apply to the court for a possession order.
The court will write to you telling you when a hearing is to take place. This is called a summons. You should have at least 21 days notice of the hearing date. You will also receive a form that explains why the lender or freeholder wants to evict you. Get advice as soon as you get a letter from the court.
The court will also send you a 'defence form'. This is for you to tell the court about your financial situation, any offers to repay the debt and any other information you think is relevant.