Can my mortgage lender take action if I am in arrears?

Yes, your mortgage lender can take action to recover the property if you have failed to maintain the payments to your mortgage (or other loans secured to the property). You can try to negotiate an arrangement with them to repay the arrears but they can still proceed with court action and repossess the property.

If you cannot pay due to high payments on non-secured loans (such as credit cards, personal loans, storecards etc.), then you should really consider how to clear those debts to ensure you have enough left to cover the mortgage payments. A Debt Management Plan or IVA may be a useful way to clear those other payments.