all of your house vault possessions will be stored with the House Bankers located in the Market area. There is one set of Bankers for personal housing vaults and a second set for guild housing vaults. Depending on the size of your house, you may have had more than one vault, and you may need to speak with several Bankers. The Bankers keep a list of your house vault items at all times and to retrieve your items, you will need to visit the Bankers with the character that originally placed the vault.

If your house is repossessed the items on your Consignment Merchant will be available through another set of merchants that can be found in the Main Market. You will need to visit these NPCs with the character who originally placed the Consignment Merchant.

All other items such as furniture, NPC's, tools, house decorations, and trophies will not be stored with the Banker and cannot be recovered if your house is repossessed.

https://web.archive.org/web/20040119234900/http://www.camelotherald.com:80/housing/manual/chapter3.php#4 wrote:
Should you forget to pay your rent and your house is destroyed, all of your house vault possessions will be stored with the House Bankers located in the Market area. The Bankers keep a list of your house vault items at all times, so should you need to retrieve an item you can visit the Banker. All other items such as furniture, NPC's, and tools will not be stored with the Banker.