What to do if your mortgage lender starts court action

Under Coronavirus rules, mortgage lenders can start or continue repossession action in the courts. But no evictions by bailiffs can take place until after 31 May. Use this time to get legal advice. 

Any court action for repossession should always be a last resort. Your lender should work with you and offer support if you’re struggling to pay.

If your lender starts court action it doesn’t necessarily mean you will lose your home.

The judge can help you stay if it’s affordable and you have a realistic plan to repay the arrears.

Last updated: 29 March 2021

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