What you need to look at is what you have in your favour.(posted 8670 days ago)How much is your house worth? If you estimate that it is worth #57,000 or more, you have somehting to offer other lenders and may be able to re-mortgage.
With regards to whether they can get possession of your house, it depends on several things:
1. Have you been to court before? 2. Are you showing a willingness to pay? 3. Do you have dependents?
As a last resort, you could consider selling your house. At least you may end up with some money and most importantly of all, no repossession on your credit file.
With regards to the above reply, you should be aware that Income Protection does not usually kick in until after 90 days of unemployment.