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I have a secured loan on my home which is currently in arrears (the company say arrears of £9000) but this is made up in part with excessive charges, compund interest, visits from 'mortgage counsellors', etc.My first charge (mortgage) is up to date and never been in arrears.The second charge is threatening litigation, reposession, etc. What is the worst that they can actually do? My home is in Scotland.Thanks for any advice.

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I am not a Scots lawyer, so possession proceedings may be different to those in E&W. But, I suspect the 'worst they can actually do' (since that is what you asked) is pretty much the same in Scotland as it is in England and Wales - so the answer to that is, the worst they can do is gain a possession order, evict you and sell the house in order to get their money back.

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