Happened to me in 2007.
Court hearing was in mid February, but I didn't attend, as (a) I had sent in my Mother's will to the Halifax, asking that they note her house had been left to me, and asking them not to repossess, but allow me to sell her property, and (b) it was my birthday that day, and with the firm of solicitors for the Halifax saying the will made no difference, didn't feel I'd get anywhere (as a single man, with no children) in asking for any delay.
If you have children, there's some chance, but the CAB will hopefully suggest a course of action, and there may be a local firm of solicitors they suggest, if you feel you need someone to represent you - though being there yourself may be better, as you can submit your monthly budget and show you were not wasting the money on luxuries...
But, no point making mortgage payment this month, so have a nice takeaway and a bottle of wine, you may feel miserable right now, but there's no point letting it kill all the pleasure of life!
Not sure of the date when decision was sent to me, but it indicated that a bailiff would attend and that I should vacate the property.
In my case, although decision was made on Feb 15, date of repossession was June 6, though things may depend on where you live as to how much time is given. I had somewhere else to move to, but don't drive, and had no funds for storage or transporting items, so had to leave most items there, except a few bits of IT gear to carry on business, and what clothes I could pack.
I tried to see if there were any 'well off' past colleagues who had a lump sum of savings to be able to pay off the debt to the Halifax, and allow me to owe them the amount (under 45K) but that didn't pan out (they have the funds, just tied up in long term investments, so unable to help).
In my case, the property was put on the market 'as seen', and sold at the market price (135K in August 2007... owners nearby had theirs on market at 159K but eventually sold theirs Aug 2008 for 137,500). Whether yours goes on the market, or is sold in an auction may make a lot of difference... if sold at market price, then I hope it would more than cover the remaining debt, and you'd get the balance (less legal fees, eg for solicitors handling repossession... I think I had to pay about 950 quid for that 'privilege')
The local estate agents used by the Halifax allowed me in a couple of times for 30 minutes each visit, to pick up bits and bobs, but on the second visit when I planned to remove my 19" LCD screen for the PC, and a Sony shortwave radio, found that some 'house cleaners' had been in, bagged lots of stuff, in black bin liners (breaking glass, plates and things from kitchen) and had it away with two of my most wanted items (other things in the bathroom, where the radio had been were untouched, and the LCD was one of the few things taken from the smallest bedroom, off the desk... Paperwork downstairs was also put into black plastic bags, but with 30-40 of them, no way to find anything, and worrying with glass clanking when picking up some bags. No doubt I paid the thieves bill too... Halifax lost the will, just to add to pain.
(Longer story, but HMRC had made me bankrupt, so I'll end up with less than 10% of house price, if I am lucky, after PriceWaterhouseCoopers mug me for dozens of hours at up to 300 quid an hour. As a bankrupt, I would not have been allowed to be executor to my Mother's estate, so has caused a whole other set of issues in the family, and house and contents will legally belong to my eldest sister, so I am now 'house sitter' with a hole in the roof which doesn't help.)