In Scotland, you cannot be forcibly evicted from your property without a court order. Your lender has to follow pre-action protocols before raising legal proceedings to give you the opportunity to clear your arrears or come to a suitable arrangement over their payment.
If this cannot be agreed your lender will then be required to issue you with a “Calling-up” notice. These notices will advise that you have two months to clear the entire mortgage agreement or enter into a suitable repayment arrangement with the lender. At this point you can also agree to voluntary surrender the property to the secured lender, you should seek legal advice before doing so.
If no agreement is made and you do not agree to a voluntary surrender your lender will usually apply to the court to seek an eviction order to enable them to repossess and sell the property. You may still be able to avoid losing your home and have legal defences against your lenders action. You should seek urgent advice from a law centre solicitor or an advice agency that specialises in housing issues if you receive any legal notices or documents.
For the rules relating to Covid-19 legal protections see here.