Before you start
You should speak to support services for repossession. They can give you practical information and advice about what you can do. You should also consider getting legal advice to better understand the options available to you.
What to do if you have received a Civil Bill for Possession
If you have received a Civil Bill for Possession, it means that your mortgage lender has made an application to the court for a Possession Order.
You will need to read the Civil Bill for Possession and any other documents that you have received in order to understand the case that has been made against you. You will need to gather your own evidence such as your mortgage documents in order to prepare your case. For more information on what is in your civil bill you can visit our Civil Bill for Possession explained page.
You should speak to support services for repossession to get information and advice on what you will need to do. You can speak with support services at any stage but the earlier you speak with support service the better they will be able to help you.
If you ignore the Civil Bill the court may make an Order for Possession against you, without your involvement in the court hearing. This is known as a "Judgment in Default."
Next Steps
There are a number of steps in the court process. You will find information on what you need to do in each of these steps in the sections below.
Complete, submit and serve your Entry of Appearance
You should complete your Entry of Appearance form to let the court know that you have received the Civil Bill and are acknowledging it.
More information on this step >Complete, submit and serve your Replying Affidavit
You should complete your Replying Affidavit to set out the facts and relevant documents to be considered by the court as part of your case.
More information on this step >Your case proceeds to court
What you should know about your case being heard in court.
More information on this step >
