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Mortgage Arrears Protocol


Response on behalf of the Council of Her Majesty’s Circuit Judges

Protocols have become a growth industry, taking up 136 pages in the White Book, despite the expressed intention of the CPR to simplify litigation, has grown from 3930 pages in 1997 to 5984 in 2007.

This is an increase of approximately 52% which is not simplification. One of the aims of the CPR was to make the civil justice system more accessible, especially so for non professional litigants.

Response on behalf of the Association of Her Majesty’s District Judges

This paper sets the welcome to the consultation and the proposed protocol on mortage arrears, it includes the set of responses to the questions posed.