If you have been unable to reach an agreement with your lender and you cannot maintain your mortgage payments, your lender will probably take you to court. You cannot be evicted from your home without a court order. Court procedures are the same for first and second mortgages.

Court summons

If you have not reached an agreement with your lender and they seek possession then they must apply to the County Court. A Court Summons will be issued and you will be told of the time and date of the court hearing. Seek advice when you get your court papers.

• Always attend the hearings.
• Always reply to court papers.