Preventing and Combating Mortgage Arrears

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The Programme

Preventing mortgage arrears is a significant challenge for Local Authority housing managers and staff for those who have purchased their homes, and received loans to do so from the Local Authority.  This course will look at effective ways of dealing with these problems and at promoting good practice in this area.

This course is offered as part of the National Housing Training & Development Programme .  See NHTDP details here.

Who is this for?

This one-day Preventing and Combating Mortgage Arrears training course will be of particular interest to all those working in the Housing and Finance sections of Local Authorities including: Loans Administration staff; Revenue Collectors and Counter staff.

Course Content

The topics covered on this one-day course include:

• Local Government Housing Loan Provision
  • Legislation and Practice, Acts and Regulations
  • Code of Conduct for Management of Arrears
• Loan Approval / Applications
  • Principles of “Prudent Loan” Management
  • Reasons to be cautious in lending practices
  • Loan Application – What’s required, assessing applications
  • Local Authority Credit Committees
• Managing Loan Accounts
  •  Loan Management Systems
  •  Collection Methods & Systems
• Loan Arrears
  • Dealing with Arrears
• Mortgage Arrears Resolution Process
  • Communications Policy on Loan Accounts in Arrears
  • Borrowers Obligations
  • Financial Assessment
  • M.A.R.P. – Solutions
• Case Studies
• Concerns for Local Authorities – Long Term Management

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