31. I'm being evicted because of mortgage arrears. What can I do?

If you are having trouble paying your mortgage, it's important to act quickly to avoid the risk of your home being repossessed.

However, your home cannot be repossessed until:

• firstly, your mortgage lender has obtained a Court Order to repossess the property; and
• secondly, the Court has issued a Court Bailiff with a warrant to evict you.

Your first step should be to discuss the mortgage arrears with your bank, building society or other lender. Most lenders will be very happy to discuss any arrears with you, so that they can try to resolve the problem quickly. You should look at your income and your outgoings, and try to come to an agreement with your lender on the arrears. It may be possible for you to agree more realistic payments on your mortgage, to avoid losing your home.

If you need help dealing with your mortgage arrears, or any other aspect of housing, we recommend that you speak to one of our housing advisers on 0845 345 4 345 for specialist advice. Telephone specialist advice is only available if you qualify for legal aid.

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