If the lender goes to court to repo your house, they can, at the time ask for a money judgement against you which would be for the arrears and their costs, that kind of thing. If there is a money order judgement against you, you can still appeal against it and ask for it to be set aside, I think you can also apply to the court for leave to defend. I had this happen to me, I got a judgement against someone who owe'd me and he got it set aside and leave to defend on the basis that he was on holiday when the summons arrived!!(posted 7967 days ago)If there is such a judgement then either ask the court for a copy of it, or ask DLA to provide a copy to you.