First step: Don't panic.(posted 8398 days ago)Having been there, I remember how flustered I felt when the Halifax first contacted us.
Second step : Read the site...read everything under repossession first and make notes as you go along. The do's and don'ts is excellent.
Third step: SARN your lender.
Fourth Step: Reply politely to your lender and simply ask for a completion statement (if you haven't already got one) or say that you are looking into the matter (if you have got one) and will reply shortly.
DO NOT FILL IN AN INCOME AND EXPENDITURE FORM....
If you read this site and get help from people on the site you will soon get on top of things.
Be strong.