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Advisers Guide

Advisers' Guide to Repossessions in Scotland

This repossessions guide is for advisers trying to prevent repossessions in Scotland. It assumes knowledge of the money advice process when dealing with homeowners. The information focuses on how an adviser can help their client deal with mortgage arrears and procedures which lenders will now use under the Home Owner and Debtor Protection (Scotland) Act 2010 (“the Act”). You can also access background to the HODP Act.



The Home Owner and Debtor Protection (Scotland) Act 2010 came into force 30 September 2010, causing major changes to mortgage repossession law. Get advice on the law and how it might affect you.