If you are having difficulty paying your mortgage or think that you may do in the future:

  • don't ignore the problem
  • look at your situation and check what help you can get
  • talk to your mortgage lender
  • show that you are willing to pay
  • find out what your options are
  • check what you can afford to pay and remember this when renegotiating any repayment arrangement.
  • keep to any new payment arrangement you make. 
  • make the right decision for you and your family's future.

Read the NHAS Guide for practical advice on what to do.

Court hearing?

If your lender has applied to court to repossess your home, you will receive a letter from the court telling you when there will be a hearing.   Don't panic.  It is important that you go to court and defend the claim.   Remember: If you don't attend, you can't defend. 

If you are worried about going to the court hearing and speaking to a judge, don't worry as there could be help available to you.   Most Courts have a court desk with an adviser or solicitor who can help you before and during the hearing.

Every other Tuesday morning at Guildford County Court, there are court desk representatives who can discuss your case with you briefly before the hearing, and help you during the hearing.  They may also need to follow up with you after the hearing to make sure you are managing your monies and can afford your repayments.  If the hearing isn't on a Tuesday morning, a court desk representative may be able to attend a hearing with you by appointment at Guildford County Court. It is better to contact the court desk at Guildford County Court before your hearing if you can, rather than on the day, as you will have more time to work with them to prepare for the hearing.

To find out if the court desk can help you at Guildford County Court, call 01483 541646.

Don't Lose Your Home or Business advice service

We offer a free confidential service to help you if you are having financial problems.  Find out more about Don't Lose your Home or Business - information for residents.

Page owner: Elizabeth Donaldson. Last updated: 21/08/2017 10:01