Thousands of applications for possession are made every year and the likelihood of your mortgage lender being awarded possession by the court is very high if you either have arrears or an expired mortgage and have not repaid the mortgage balance.
A possession order is where the court has assessed the Claimants Claim (usually a Mortgage Lender) against you and awarded them possession of your property. Importantly, this does not mean they own your home, or indeed that they actually have physical possession.
It does mean, however, that if the claimant wants to enforce the possession order, they no longer need to gain a Judgement or permission from the court, they simply make an application for the court to issue a ‘Warrant of Eviction’ and instruct the Court Bailiff to execute the warrant.
The Court Bailiff will schedule an eviction date and time, which your Lender will be informed of, and they will organise a locksmith to change your locks and an estate agent to collect the keys.