This question is not specific to Landlord or Tenants, but hopefully someone can help.
I have a property which comprises of commercial and residential spaces, i.e. ground floor shop and residential flat above. Due to arrears on the mortgage, the mortgage company have changed the locks and put a gate across the front door. The door is the only access to both the commercial and residential areas. The building is currently unoccupied.
I have never been taken to court over the arrears allowing a re-possession to take place. I am also in possision of the property's deeds.
I have spoken to the Police about the situation and the say that it is a civil matter if it involves money/mortgage and they cannot help.
My first question is, can a mortgage company (or their agents) gain entry, replace the locks and barricade the front door without going to court first?
My second question is can I lawfully regain access by removing the gate and changing the locks myself?
Any advice if gratefully appreciated.