What to do if your mortgage lender starts court action

Your mortgage lender should only start repossession action as a last resort

Repossessions are currently on hold because of the coronavirus outbreak. 

The Financial Conduct Authority (FCA) has said that mortgage lenders must not start or continue court action for repossession until at least 31 October.

You can ask your lender for support if you're struggling because of coronavirus.

Once repossessions start again it's important to attend any court hearings. 

The judge can help you stay in your home if it's affordable and you have a realistic plan to repay any arrears over time.  

Get legal advice if your lender threatens or starts court action.

Last updated 30 March 2020 | © Shelter

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