-The borrower will be required to fill in an N11M form stating how the situation came about and there future intentions on repayment of the arrears, as well as a questionnaire sheet asking for personal financial details of the lender. These forms equip the judge with a better insight and perspective into the reality of the situation. If the judge feels that the borrowers circumstances may improve in the future they may be willing to suspend an order of repossession. If they believe it is a futile effort in vain they simply wont.

- After the Order Of Repossession has been passed sucessfully the court will then issue an Eviction Order. This Eviction Order will state the exact date & time the current owner must have vacated the premises by. Any belongings left in, on or around the premises will be confiscated by court appointed bailiffs. Police will be on standby to ensure protocol runs smoothly while locksmiths begin changing all the locks in the property.

It is not difficult to picture the anguish, humiliation and inconvenience these events would bring upon a family. Not only this , but the lender may have recovered its initial finance but would have most likely lost profit on the interest. If there was any surplus profit on the sale of a property , will have a additional fees that would have incurred such as legal administration and real estate agent fees deducted before being handed back to borrower as a final farewell parting gift. However this will only the case if borrower had paid back a substantial amount of the loan already or put a large deposit Upfront. This means that the borrower would have a sizeable ownership (or ‘equity’ as it is referred to professionally).

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