Joanna Tuffy (Dublin Mid West, Labour)
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Question 69: To ask the Minister for Finance his plans to help those in difficulty with repaying their mortgages who purchased a house a joint tenant with a partner to whom, they were never married and with whom they are no longer in a relationship, in terms of the banks having to deal with them in their own right as mortgagees; and if he will make a statement on the matter. [33935/12]

Michael Noonan (Limerick City, Fine Gael)
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I wish to draw the Deputy's attention to the application of the Central Bank's 'Code of Conduct on Mortgage Arrears' which applies to the mortgage loan of a borrower or borrowers which is secured by the primary residence. Lenders must apply the Code to borrowers who are in arrears or in pre-arrears. In the case of joint borrowers, who notify the lender in writing, that they have separated or are divorced, and that they are in arrears or may be in arrears in the future, the lender must treat each borrower as a single borrower under the Code. A copy of the Code and of the 'Mortgage Arrears - A Consumer Guide to dealing with your Lender ' is available on the Central Bank's website.