It is essential that you attend the hearing so you can explain your situation to the judge. The hearing normally takes place in the county court, as it is a civil matter. There is no risk of you being sent to prison as this is not a criminal matter.
The court papers will tell you the time of your hearing and you should arrive at the court in plenty of time. Make sure you find out exactly where the hearing is taking place and let the court usher know that you will be attending.
When a lender or freeholder applies to the county court for a possession order, they are known as the 'claimant'.
Hearings are usually held in the judge's private room or chambers. Sometimes they may take place in an open courtroom, but members of the public are not allowed to be present.
The usher will decide in what order the cases will be heard. As there may be a lot of cases to be heard, you may have a long wait until your case is called.
A judge will hear your case. You and your lender will both have the opportunity to speak. Both you and the claimant can bring a solicitor or adviser for representation. You can take a friend along to help you in court but if you also want them to speak for you, you will need to check if the judge will allow this.
The usher will call you when it is your turn and will tell you where to go. The judge will then explain what will happen during the hearing.
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