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Debt Advice Handbook Scotland 1st ed - with new material

Chapter 8: Housing debt

• 1. Social housing sector
• Pre-court processes
• Pre-action requirements
• Notice of proceedings for recovery of possession
• When proceedings begin
• Summary cause process
• The summons
• Lay representation
• Court terms and outcomes
• Continuation
• Sist
• Dismiss
• Decree
• Post-court action
• Minute for recall
• When a decree can be recalled
• Appeal
• Charge for removal
• Dealing with rent arrears at court
• 2. Private rented sector
• The First-tier Tribunal (Housing and Property Chamber)
• Tenancy types and procedures
• Short-assured tenancies and assured tenancies
• Private residential tenancies
• Application to the tribunal
• Payment order and eviction order
• Application to the tribunal: common rules
• The overriding objective of the tribunal
• Service to the client
• Rejection or acceptance of an application
• Lay representatives, supporters and exclusions
• Directions from the tribunal
• Tribunal options
• Hearings
• Decisions
• Dismissal, adjournment or postponement
• Absence of client
• Recall
• Review
• Appeal
• Dealing with an eviction case
• Adjournment and postponement
• Time to pay directions and orders
• Using the Debt Arrangement Scheme
• Using an insolvency option
• Reasonableness
• Making referrals
• 3. Mortgage arrears
• What is a mortgage
• Standard securities
• Common mortgage types
• Capital repayment mortgages
• Interest-only mortgage
• Standard variable rate mortgages
• Fixed-rate mortgages
• Tracker mortgages
• Shared ownership mortgages
• Islamic mortgages
• Loan for mortgage interest
• Mortgage indemnity guarantee
• The FCA and regulated mortgage contracts
• Mortgage prisoners
• FCA guidance for lenders
• Tailored support guidance and forbearance
• Customers in vulnerable circumstances
• Guidance for firms supporting borrowers with the cost of living
• Guidance for customers with interest-only mortgages
• Consumer duty
• Mortgages and Home Finance: Conduct of Business Sourcebook
• The repossession process
• Pre-action requirements
• Arrears letters
• Default notice
• Calling up notice and section 11 notice
• Section 24 application and initial writ
• Entitled residents
• Court hearing
• Order for ejection
• Form for charge for removing
• Minute for recall
• Dealing with mortgage arrears
• Negotiate with the lender
• Check for insurances
• Interest–only payments
• Change from an endowment to a capital and interest mortgage
• Reduced payments
• Capitalise the arrears
• Extend the mortgage period
• Reduced payments or a payment holiday
• Use pensions or other savings
• Homeowners’ support fund
• Handing back the keys (voluntary surrender)
• Using the Debt Arrangement Scheme
• Using an insolvency option
• Time order
• Recall the decree
• Mortgage shortfalls
• The Mortgage Charter
• Complaints and the Financial Ombudsman Service
• Checklist