About five years ago, Northern Rock's attitudes were much more highly publicised than they are today. Which is bad news for those of you who find out too late that they are, in my opinion, among the least trustworthy mortgage lenders to have to deal with.(posted 7885 days ago)Interesting to hear that C&G were OK though - they have a history of being involved in ripping off old people (through equity release schemes), in fighting court attempts to get them to compensate those old people and in formalising an internal policy to treat customers badly if customers disagreed with them. They even had a name for the policy but I forget what it was now.
Moving from my opinions to your questions:
1. It's unlikely that they will be that obvious. Usually it's a phone call to your mum claiming to be a delivery service, the Inland Revenue, DSS, NI, customs and excise, whatever... asking for your new address. It is legal to show up at your mum's doorstep. It is not legal to pretend to be the Inland Revenue - but very hard to prove who it actually was.
2. Possibly and don't know.
In my opinion Northern Rock are pretty heartless, but then most mortgage lenders are when their money is at risk.
You need to read the Do's and Don'ts part of the Repossession section to learn about other steps you should now take to reduce the repossession-related risks for yourself in the future.