Ms Ruth Fanning:

From cases that come to us, we note there is very often a legal or financial remedy. We have much experience of the MARP not having been complied with, in which case there are grounds for a strike-out or scope to make provision regarding the value of the house or perhaps a split mortgage. Alternatively, as Mr. Maguire said, there may be scope for applying for an adjournment so as to have a personal insolvency arrangement. People just do not know about it.