The number of houses will be withdrawn has dropped in recent yearsDifficulties finding, deny an increasing number of people "Blame" and not to help for mortgage repayment, said the Financial Ombudsman.
The service said it had received a record number of complaints about mortgages, despite the fact that the repossession numbers dropped.
The Ombudsman said that it confirmed only by about one third of the complaints.
Some mortgage holders made appeals to lenders, unrealistic and sought help too late, they said.
Record figureThe Financial Ombudsman deals with disputes that cannot be resolved between a financial services company and a customer.
The service 13.659 complaints about mortgages and secured loans in the last year - a record high and an increase of 12.845 in the last 12 months.
Approximately 40% of cases involved homeowners the repayments have been heavy fighting.
This is only a fraction of all homeowners of who have fallen behind on their mortgage repayments.
Council Mortgage Lenders ' (CML) published figures showed that 138.200 mortgage arrears of more than 2.5% of the outstanding balance had in the first three months of this year. This was the lowest level for six years.
May be greater awareness of the Ombudsman concerning the increase in the complaints.
But the Chief Financial Ombudsman, Tony Boorman, said - for thousands of people - it was important to ask for help and orientation about arrears sooner rather than later.
"Mortgages are the most important most of us buy will make in our lives so that we understand why people might be reluctant to say that they pay for their home have to fight" he said.
"Many of the cases where people lose face their home have been heart-wrenching, but might be avoided."
He added that some homeowners would be unrealistic, are questions for debt debt relief or interest indefinitely suspended.
However, lenders can be "creative" ways people back on track with payments, he said.
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