Home repossession
The hearing
Repossession hearings normally take place in a judge’s chambers, not in a court room (although it’s treated as a court).
You can bring an adviser or friend to the hearing, although they must be an adult.
If you do not attend the court hearing, it’s likely the judge will give your mortgage lender the right to evict you.
You must keep to any agreement you make in court to pay off arrears. If you do not, you may still risk losing your home.
What to bring with you
You’ll likely be asked for proof of your finances. This can include:
- payslips
- bank statements
- job offers
- letters about benefits
- estate agent letter, for example if you’re trying to sell your home to pay off the mortgage
If you have not received advice before, you can get last-minute legal advice on the day under the Housing Loss Prevention Advice Service.