Mortgage Arrears/ Reposession Help

Hoenir

user1977 said:

Did they literally say that you "have 30 days to come up with a solution or they will take [your] house to auction"? As others have pointed out, that's a rather misleading and alarmist version of the processes which are actually involved.

Most likely a strongly worded statement along the lines of the intention to commence legal proceedings. That will mention the potential course of action that would follow. Rather than being alarmist it's going to be factually blunt. As others have said. A line has been drawn.