How can one prevent a foreclosure in the UK?

The best way to prevent a foreclosure on your home is to stay ahead on payments for your mortgage. If you know ahead of time that you won't be able to make payments because of a loss of job or other problems it is best to contact the bank before the problem arises and tell them your problem. Most banks have a 6 month grace period if you contact them about your inability to pay before beginning court procedures.