Mark,(posted 7665 days ago)I think that it would be difficult to predict how long it might take for your house to be repossessed, that would depend on the flexibilty of your lender and the court. Does the lender know your situation? If not, I would get in touch with them straight away and tell them. Also give them a figure which you can reasonably afford to pay, you may be able to negotiate a new repayment plan, or at least get yourself some more time to re-organize your finances. I would also go to your local council housing department and social services, there are very often specialist units there which can advise you and help prevent repossession. Of course, there is the CAB too. Try and maintain your mortgage payments up as much as possible, this will help keep the interest down at least, and will help, I think, if the case ever gets to court. The lender has to go to court to get a court order to possess, it's not automatic. Have a look at the postings by myself and Mr Button under "Reposession process" dated April 9th (about 27 postings down), the repo process is covered quite extensively there. Good Luck.
Mark.