The hearing

Repossession hearings normally take place in a judge鈥檚 chambers, not in a court room (although it鈥檚 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鈥檚 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鈥檒l 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鈥檙e 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.