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Further advice and information is available from the following organisations: Money Advice Service Impartial information and a wide range of tools from the Money Advice Service Link to Money Advice Service Financial Ombudsman Service The Financ...
In November 2010, we launched a report by John Howard into Long Term Safety Nets to Protect Mortgage Borrowers which examines the economic environment which has caused many homeowners to fall behind in mortgage payments; the help available to those struggling to meet payments...
The Building Societies Association has published new research into mortgage arrears. The research is based on a survey of mortgage borrowers that have been in arrears in the last two years, the results of which are combined with the results of a survey of building so...
If you have a mortgage you will be expected to make regular monthly payments to your lender. How much you pay will depend on the type of mortgage you have, the term of the loan and the rate of interest on it. If there are any changes in your own, or your household's circumst...
REGISTRATION FOR BSA CONFERENCE 2021 NOW OPEN The Building Societies Annual Conference takes place on 5th & 6th May 2021, Liverpool. The conference will be held at the ACC Liverpool, with the welcome party at The Cavern Club and Conference Dinner at Liverpool Cathedra...
This bespoke virtually presented course, in partnership with the Chartered Insurance Institute (CII), is designed to help navigate the ever more complex area of arrears handling. There is an expectation that lenders should not take a one size fits all approach and that arre...
The BSA is supportive of proposals to streamline the benefits process and therefore support the principles for introducing a Universal Credit (UC). However, we are concerned with the impact that UC would have on the Support for Mortgage Interest (SMI) benefit. The proposal...
The BSA welcomes the publication of the guidance consultation and its intention to provide assistance to firms, in relation to dealing with forbearance and ensuring adequate reporting and provisioning of impaired accounts. However, we have a number of concerns with the...
The BSA is broadly in favour of the proposal to explicitly capture the coordination of debt advice within the remit of the Money Advice Service (MAS). However, we have concerns with proposal for these services to also be provided by MAS. We are concerned as to how pro...
On 26 January 2010, the FSA published the first consultation paper from the Mortgage Market Review discussion paper relating to arrears and approved persons (CP 10/2). The deadline for responses to the CP was 30 April 2010. The CP contains two parts, the first on c...
The BSA welcomes the opportunity to respond to the call for evidence on Support for Mortgage Interest (SMI). The BSA has been calling for a review of SMI for some time now in letters to the Chancellor ahead of Budget statements, to the Treasury Select Committee during its ...
We recognise the desire to collect Council Tax where possible and so a review of the current exemptions is sensible. However, we are concerned that there has not been a detailed analysis of the impact of the proposal to collect Council Tax on repossessed homes and we do no...
Responding to the FCA’s decision to consult on mortgage payment shortfall remediation guidance, Paul Broadhead, Head of Mortgage Policy said: The FCA has today published a non-handbook guidance consultation into the fair treatment of mortgage customer in payment shortfall...