Response - Civil Justice Council: Mortgage Arrears Protocol

By: Catherine Grannum  Published: May 2008


Shelter is very much in favour of the introduction of this protocol and believes the proposed scheme and content are broadly correct. We look to the Government to back the urgent adoption of the protocol.

Summary

Shelter warmly welcomes the proposed protocol. As mentioned in the consultation paper, it is a measure we have previously called for. Shelter’s experience as housing advice and County Court Duty Desk providers indicates that there are also many lenders who do not operate best practice in this area. This protocol would be a valuable tool in ensuring that best practice is replicated across the board, and that possession action is not taken other than as a last resort by any lender. In this way many homeowners can avoid the distress of possession proceedings and repossession, and court time and expense can be saved.

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