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Repossession notice and procedures

If you fall behind with your mortgage or loan payments, your lender cannot just throw you out of your home. There are procedures that must be followed, beginning with a notice of repossession that you must be given to warn you that repossession procedures are starting and including pre-action requirements.

If you have mortgage arrears you may be sent one notice or a combination of notices, informing you that repossession proceedings are being started. If you have a secured loan or second mortgage that's regulated by the Consumer Credit Act, you must be served a default notice before you can be served any of these notices.

Scotland map Housing laws differ between Scotland and England.
This content applies to Scotland only.
Get advice if you're in England

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