If this is the case it is important to act quickly. Your lender must go to court in order to gain a possession order on your home, they are required to notify you of all the details of the pending court action. You may still be able to negotiate with you lender at this stage. If the case goes to court you will be invited to attend, this will give you a further opportunity to save your home from being repossessed. For more detailed information of this process and rights please see the Gov.uk website.
You can find further information at the CAB website.