Mr. David Hall:

The code is slightly misleading in the sense that it is an administrative code. Sections 38 and 39 allude to a variety of solutions that can be provided but nowhere does it require any of the lenders to provide any of those solutions. It is quite misleading when people use the code in its entirety. It is an administrative process, and has a very unfortunate P45 letter, which people get at the time of their being evicted. It is an administrative code, so even if it was used on a legislative basis, it would make little or no difference.