What to do if your mortgage lender starts court action

Repossessions have been on hold because of the coronavirus outbreak.

From 31 October lenders can start court action for repossession again.

However the Financial Conduct Authority (FCA) has told lenders they cannot ask bailiffs to evict you until after 31 January 2021.

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: 20 November 2020

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