Right. I used to do possession hearings. Is it mortgage or rent?
If it's mortgage, they can't do anything unless you're at least 2 months behind. Before they take you to court, they have to give you contact details of certain people who can give free, independent advice. Call them.
In some circumstances (one of which is if you're pregnant or have dependent children) you can get help from the council through the mortgage rescue scheme. The criteria are tight, but it's worth a call.
If you can afford to pay the monthly instalment plus a bit, try and negotiate with the mortgagee. The worst they can do is say no
If you cannot find a solution and they take you to court make sure you go to the hearing. Find out if the court has any free legal advice; people like Community Legal Service and the CAB often attend on possession days to help people in your position. Take evidence of your income, eg payslips. If something has changed, such as a new job, take evidence.
The mortgagee will be represented, probably by an agent. Some are more helpful than others, but all have very limited scope to negotiate. Talk to them; they're not out to shaft you.
The judge has a much wider discretion than the mortgagee's policy. The court can suspend a possession order if you can pay back the arrears within the term of the mortgage. That's the furthest they can go, but it's worth knowing.
The strongest advice I can give is to turn up. In the majority of cases, if you attend, there is a way you can sort it out.
Good luck. xx