After the few initial unpaid months, your lender will contact you through his lawyer in the form of a letter, letting you know about starting the house repossession process by taking you to the court. Once they apply for house repossession process, court will send you summon about the date of hearing.

Now next processes will depend on your approach. If you decide to follow the court process, court will listen your pint of view. There can be different outcomes of case on the basis of evidences provided by you and your lender. Let us consider both options;

Suspended Possession Order: In case you agreed to make payments along with some arrears, house repossession order will be suspended. Judge will check whether you will be able to make these payments and if yes, he will order to stop home repossession.

House Repossession Order: If judge feels that you have not done anything in right direction or is not able to meet repayment schedule, he will order for home repossession and allowing the bank to repossess the home within 28 days.

In case you decide not to follow the process, there will be only one decision of home repossession, as the case goes without opposition. In some cases, if you fail to execute the suspended home repossession order and are still living in the house, lender has the right to apply for eviction notice. Now you will have to leave house before bailiff comes in. this normally has a time period of 7 to 14 days.

Least but not the last, you must read good papers about home repossession process before asking to your lender. It will save precious time of both ends.