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Local Authorities Mortgage Lenders And The Handling Of Arrears And Possessions
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Author :Joint Working Group of the Council of Mortgage Lenders and the Local Authority Associations Publisher : ISBN 13 :9781872423616 Total Pages :48 pages Book Rating :4.4/5 (236 download)
Book Synopsis Local Authorities, Mortgage Lenders and the Handling of Arrears and Possessions by : Joint Working Group of the Council of Mortgage Lenders and the Local Authority Associations
Download or read book Local Authorities, Mortgage Lenders and the Handling of Arrears and Possessions written by Joint Working Group of the Council of Mortgage Lenders and the Local Authority Associations and published by . This book was released on 1993-03-01 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Arrears and Possessions by : Janet Ford
Download or read book Mortgage Arrears and Possessions written by Janet Ford and published by Stationery Office Books (TSO). This book was released on 1995-01-01 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage Arrears and Possessions
Book Synopsis The Mortgage Rescue Scheme by : Great Britain. National Audit Office
Download or read book The Mortgage Rescue Scheme written by Great Britain. National Audit Office and published by The Stationery Office. This book was released on 2011-05-25 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Mortgage Rescue Scheme, since it was launched in January 2009 by the Department for Communities and Local Government, achieved fewer than half of the rescues expected. The Department directly helped 2,600 households avoid repossession and homelessness at a cost of in excess of �240 million - but it originally expected to help 6,000 households for �205 million. Under the Scheme, vulnerable homeowners at imminent risk of repossession who fulfil the eligibility criteria can apply to housing associations to provide them with an equity loan to help them reduce their monthly mortgage payments and retain ownership; or, alternatively, to purchase the home outright with the former owner remaining in the house as a tenant. The Department misjudged what the levels of demand would be for the respective types of rescue. It thought that most households would choose to take an equity loan through the Scheme, the cheaper option for the taxpayer, but nearly all sold their houses and stayed on as tenants. As a result, the average cost of each completed rescue has been much higher than expected - �93,000, compared with �34,000. The Department does not have enough information to say why so few households took the equity loan route. The Department now has actions in place to reduce the cost of the Scheme to the taxpayer. The report concludes that the Department did not adequately test the assumptions underpinning the Scheme's business case, and that it could have acted earlier to improve value for money.
Author :Building Societies Association Publisher :Building Societies Associat ISBN 13 :0903277662 Total Pages :112 pages Book Rating :4.9/5 (32 download)
Book Synopsis Mortgage Repayment Difficulties by : Building Societies Association
Download or read book Mortgage Repayment Difficulties written by Building Societies Association and published by Building Societies Associat. This book was released on 1985 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Avoiding Possession by : Sarah Kinson
Download or read book Avoiding Possession written by Sarah Kinson and published by . This book was released on 1992 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Responding to Mortgage Arrears: a Review of Local Mortgage Arrears Fora by : Angela Evans
Download or read book Responding to Mortgage Arrears: a Review of Local Mortgage Arrears Fora written by Angela Evans and published by . This book was released on 1998-04-01 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Arrears and Possessions by : Great Britain. Department of the Environment
Download or read book Mortgage Arrears and Possessions written by Great Britain. Department of the Environment and published by . This book was released on 1995 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Great Britain. Parliament. House of Commons. Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215526526 Total Pages :276 pages Book Rating :4.5/5 (265 download)
Book Synopsis Housing and the Credit Crunch by : Great Britain. Parliament. House of Commons. Communities and Local Government Committee
Download or read book Housing and the Credit Crunch written by Great Britain. Parliament. House of Commons. Communities and Local Government Committee and published by The Stationery Office. This book was released on 2009 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report the Communities and Local Government Committee says the Government must stick to its long term house building targets, despite the credit crunch, but a greater proportion of the homes built should be social housing. The Committee is concerned that the £975 million borrowed by the Government from its 2010-11 budgets to build social rented housing now is not new money, and that the Government has been unable to say how that borrowing will be replaced. The Committee urges the Department for Communities and Local Government to: put pressure on the Treasury to ensure measures to revive the mortgage markets are implemented immediately; increase construction of new social housing, both to provide for housing need and as a means of maintaining capacity in the homebuilding industry whilst the market recovers; accelerate refurbishment programmes for social housing; acquire further social housing through the purchase of unsold stock and street properties; consider the purchase of unsold family homes which have been on the market for more than a year; encourage public sector bodies to make land available for the development of new homes. The report also urges the Government to do more to help those at risk of repossession by considering sanctions against lenders who repossess too quickly and by doing more to protect tenants and homeowners from unscrupulous landlords. An Office of Fair Trading recommendation for sale-and-rent back schemes should be implemented as a matter of urgency to protect the growing number of households falling behind in mortgage payments. The Committee would like to see more done to support housing associations, including increasing social housing grant where necessary.
Book Synopsis New Forecast Scenarios for UK Mortgage Arrears and Possessions by : Janine Aron
Download or read book New Forecast Scenarios for UK Mortgage Arrears and Possessions written by Janine Aron and published by . This book was released on 2012 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Practical Guide to Mortgage Possession Proceedings by : Jacqueline Lean
Download or read book A Practical Guide to Mortgage Possession Proceedings written by Jacqueline Lean and published by . This book was released on 2022-05-10 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the 2007/2008 financial crisis, figures compiled by the (then) Council of Mortgage Lenders reported a significant increase in possessions on the ground of mortgage arrears, with more claims for possession of mortgaged property than landlord and tenant possession claims during the third quarter of 2007. The recognition that something had to be done led to the introduction of the 'Pre-action protocol for mortgage possession claims based on mortgage or home purchase plan arrears in respect of residential property' which was designed to encourage early engagement between mortgagors and mortgagees with possession proceeding being a 'last possible resort'. With the temporary restrictions on possession proceedings introduced during 2020 now coming to an end, but the extent of the economic fallout from the pandemic still unclear, it is likely that the courts will once again see an increase in the number of mortgage possession claims although, it is to be hoped, not to the extent seen during the last financial crisis. This book seeks to provide practical guidance to those commencing, facing or otherwise affected by a claim for possession of mortgaged property. It focuses primarily on residential property in England and Wales, and sets out the steps that need to be followed to pursue or defend a claim, the defences which may be available in a particular case, and the judicial powers or discretions which may assist a mortgagor, occupier or other person with an interest in the property at issue. ABOUT THE AUTHOR Jacqueline Lean is a barrister at Landmark Chambers. Her practice encompasses all matters relating to the use and development of land, including landlord and tenant and real property disputes. CONTENTS Chapter One - Mortgages & The Right to Possession: An Overview Chapter Two - Statutory Regulation Chapter Three - Procedure Chapter Four - Residential Property Chapter Five - Defences Chapter Six - Occupiers & Third Parties Chapter Seven - Money Claims and Counterclaims Chapter Eight - Insolvency Chapter Nine - Suspension and Execution of Possession Orders
Download or read book Uncharted Teritory? written by and published by . This book was released on 2009 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Housing: Participation and Exclusion by : David Cowan
Download or read book Housing: Participation and Exclusion written by David Cowan and published by Routledge. This book was released on 2018-12-21 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: Published in 1998, current themes in housing are explored in this collection of papers. The gamut of issues surrounding participation, such as tenant participation or decision-making participation, together with the forces leading to exclusion, such as in relation to ethnic minorities, are examined. The book will be relevant to all those in the housing movement together with those working in related disciplines.
Download or read book Property Law written by Alison Clarke and published by Cambridge University Press. This book was released on 2005-12-01 with total page 777 pages. Available in PDF, EPUB and Kindle. Book excerpt: An innovative examination of the law's treatment of property, this student textbook provides an extremely useful and readable account of general property law principles. It draws on a wide range of materials on property rights in general, and the English property law system in particular, looking at all kinds of property, not just land. It includes the core legal source materials in property law along with excerpts from social science literature, legal theory, and economics, many of which are not easily accessible to law students. These materials are accompanied by a critical commentary, as well as notes, questions and suggestions for further reading. It will be of interest to undergraduate property law students and to non-law students taking property law modules in courses covering planning, environmental law, economics and estate management.
Author :Great Britain: Parliament: House of Commons: Treasury Committee Publisher :The Stationery Office ISBN 13 :9780215540805 Total Pages :220 pages Book Rating :4.5/5 (48 download)
Book Synopsis Mortgage arrears and access to mortgage finance by : Great Britain: Parliament: House of Commons: Treasury Committee
Download or read book Mortgage arrears and access to mortgage finance written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2009-08-08 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report focuses on households affected by the recession, struggling with mortgage arrears or at risk of repossession. The role of the Financial Services Authority (FSA) is also scrutinised. The report notes that both mortgage arrears and repossession levels are on an upward trend and that both are expected to continue rising over the next few years as a result of the recession. The Committee acknowledges that many mainstream lenders are taking pro-active steps to support consumers in mortgage difficulties, but expresses concern at the lack of flexibility and forbearance shown by some lenders in the sub-prime, specialist and second charge sectors towards homeowners in arrears, and the fact that some lenders are charging high and excessive mortgage arrears fees to customers who fall into mortgage difficulties. The FSA should take a much more robust stance towards tackling and eliminating unfair arrears charges. The report criticises the seemingly leisurely approach of the FSA in terms of completing its mortgage arrears review and enforcing possible breaches in the mortgage arrears rules. It calls upon the FSA to spell out clearly in its forthcoming review how it will improve its performance in terms of bringing miscreant firms to book. The report recommends that the Government re-examine its longer-term strategy towards supporting homeowners in mortgage difficulties to ensure that adequate mechanisms to support homeowners are in place even once the current downturn has ended.
Download or read book Building Surveys written by Peter Glover and published by Routledge. This book was released on 2010-05-04 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the first edition was published in 1983, Building Surveys has been the core text in its field for students and professionals alike. Covering everything needed for initial inspections such as equipment, know-how and procedures to writing an accurate report, this book is a proven indispensable guide. It considers all the structural elements required when surveying a property for example, foundations, walls and roofs as well as what to look out for and how to deal with it. Legal considerations and recent cases are used to illustrate good working practice making this a comprehensive text to this important subject.
Book Synopsis Local Mortgage Arrears Forums by : London Housing Unit Staff
Download or read book Local Mortgage Arrears Forums written by London Housing Unit Staff and published by . This book was released on 1994-05-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Ownership, Narrative, Things by : Dave Cowan
Download or read book Ownership, Narrative, Things written by Dave Cowan and published by Springer. This book was released on 2018-05-09 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book uses a case study of a low-cost home ownership initiative at the margins of renting and owning provided by social landlords – known as shared ownership – to challenge everyday assumptions held about the ‘social’ and the ‘legal’ in property. The authors provide a study of the construction of property ownership, from the creation of this idea through to the present day, and offer a fresh consideration of key issues surrounding property, ownership, and the social. Analysing a diverse range of sources (from archives to micro-blogs, observation of housing providers, and interviews with shared owners), the authors explain the significance of the things (from the formal documents like leases, to odd materials like sweet wrappers and cigarette butts) commonly found in the narratives around shared ownership which are used to construct it as private ownership in everyday life. Ultimately, they uncover how this dream of ownership can become tarnished when people’s identities as ‘owners’ come under threat, and as such, these findings will provide fascinating insight into the intricacies of so-called home ownership for scholars of Law, Criminology, and Sociology.
