Professor Philip Lane:

To assist in bringing the appeal or whatever else someone wants to do, the amount of legal support for someone losing his or her home will be much greater than if someone is querying a margin, for instance. There is a mix between having upfront payment to pay lawyers or some upfront payment plus the covering of reasonable expenses such that as the individual submits lawyers' bills, the bank will pay them. There is a range there.

Of course the most acute cases involve the loss of home. The schemes are designed to provide reassurance to those who have been affected that they will have redress, not only in respect of the consequences of losing the home but will also be compensated.