Mortgage lenders should only take possession if this is the last resort.  If you took out your mortgage after October 2004, there are rules that the lender must follow

The rules explain how lenders are expected to help you if you are having money problems. If you are not happy with the way your lender deals with your case, Please complain!

Find out about your lender’s internal complaints procedure. If this doesn’t work, you can complain to the Financial Ombudsman Service.