This toolkit and guidance helps borrowers' representatives ask the court to make a time order in response to a mortgage possession claim.
It contains template defences and counterclaims for:
borrowers who cannot afford the full monthly payment
mortgages at the end of the term with an outstanding balance
Consumer Credit Act 'back book' second mortgages
The templates can be used in addition to the N11M defence form from the court.
Submit the facts of the case to the court on the template witness statement.