5. The hearing

Repossession hearings normally take place in a judge’s chambers, not in a court room (although it’s treated as a court).

You can bring an adviser or friend to the hearing, although they must be an adult.

If you don’t attend the court hearing, it’s 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 don’t, you may still risk losing your home.

What to bring with you

You’ll likely be asked for proof of your finances. This can include:

  • payslips
  • bank statements
  • job offers
  • letters about benefits
  • estate agent letter, eg if you’re trying to sell your home to pay off the mortgage