If you can't meet your mortgage repayments, or you're worried you might fall behind, it's important to contact your lender as soon as possible. Lenders have procedures for tackling payment difficulties and they'll try to help. You can also get free independent advice from other organizations ...

The Consumer Credit Counselling Service (CCCS) is a registered charity which aims to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice.

The citizens advice bureau provides free, confidential, and independent advice from over 3,200 locations.

Advice is available face-to-face, by telephone, and sometimes by e-mail. Most bureaux offer home visits.

National Debtline is a national telephone helpline for people with debt problems in England, Scotland and Wales. The service is free, confidential and independent.

Wikipedia is a good starting point for general background information on repossession.

Shelter is a charity that works to alleviate the distress caused by homelessness and bad housing.

Emmaus Communities offer homeless people a home, work and the chance to rebuild their lives in a supportive environment.

Crisis aims to fight homelessness and empower people to fulfill their potential and transforms their lives.

The Family Welfare Association provides social work and social care services to families and individuals. A variety of services are offered to those facing social and emotional difficulties, including family and relationship problems, bereavement, loneliness, poverty, unemployment and homelessness.

Hestia Housing & Support is a registered charity which was founded in 1970 to help homeless people on the streets. Heatia now delivers a range of high quality housing, care and support services across London, working in partnership with service users and local communities.