CML Yearbook 2009/2010

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Court measures Last November, the Civil Justice Council (CJC) introduced a ‘pre-action protocol’ for cases of possession coming before the courts. The protocol is intended to embed in the legal process a requirement for all alternatives to possession to be thoroughly explored before deciding that a case should go to court. While it is still too early at this stage to be clear about the impact of the protocol, some lenders and advisers are reporting that it has had a positive impact. Having originally – and unexpectedly – rejected the idea of a standardised checklist to be applied to cases that may come to court, the CJC has now changed its mind and is keen to develop the idea. It now believes that a standard checklist would augment the process, so we are working with the CJC to finalise this as soon as possible.We would like to see it based on the process<a title="CML Yearbook 2009/2010 page 151" href="http://viewer.zmags.co.uk/publication/64626b66?page=151">ASSOCIATESShoosmithsHead Office:The La</a> ASSOCIATESShoosmithsHead Office:The La<a title="CML Yearbook 2009/2010 page 101" href="http://viewer.zmags.co.uk/publication/64626b66?page=101">MEMBERSDB UK Bank Limited (db mortgages)</a> MEMBERSDB UK Bank Limited (db mortgages)<a title="CML Yearbook 2009/2010 page 1" href="http://viewer.zmags.co.uk/publication/64626b66?page=1">COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010</a> COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010<a title="CML Yearbook 2009/2010 page 87" href="http://viewer.zmags.co.uk/publication/64626b66?page=87">MEMBERSAllied Irish Bank (GB)Head Offic</a> MEMBERSAllied Irish Bank (GB)Head Offic<a title="CML Yearbook 2009/2010 page 134" href="http://viewer.zmags.co.uk/publication/64626b66?page=134">ASSOCIATESAberdein Considine & Company</a> ASSOCIATESAberdein Considine & Company<a title="CML Yearbook 2009/2010 page 81" href="http://viewer.zmags.co.uk/publication/64626b66?page=81">Members' & Associates' </a> Members' & Associates' <a title="CML Yearbook 2009/2010 page 83" href="http://viewer.zmags.co.uk/publication/64626b66?page=83">MEMBERSHomeloan Management Limited ....</a> MEMBERSHomeloan Management Limited ....<a title="CML Yearbook 2009/2010 page 107" href="http://viewer.zmags.co.uk/publication/64626b66?page=107">MEMBERSHomeloan Management LimitedHead </a> MEMBERSHomeloan Management LimitedHead <a title="CML Yearbook 2009/2010 page 23" href="http://viewer.zmags.co.uk/publication/64626b66?page=23">Getting the best from workingwith asset managers</a> Getting the best from workingwith asset managers<a title="CML Yearbook 2009/2010 page 73" href="http://viewer.zmags.co.uk/publication/64626b66?page=73">In the face of low sales volumes, many developers</a> In the face of low sales volumes, many developers<a title="CML Yearbook 2009/2010 page 142" href="http://viewer.zmags.co.uk/publication/64626b66?page=142">ASSOCIATESHamlins LLPHead Office:Roxbu</a> ASSOCIATESHamlins LLPHead Office:Roxbu<a title="CML Yearbook 2009/2010 page 127" href="http://viewer.zmags.co.uk/publication/64626b66?page=127">MEMBERSTipton & Coseley Building Society</a> MEMBERSTipton & Coseley Building Society<a title="CML Yearbook 2009/2010 page 4" href="http://viewer.zmags.co.uk/publication/64626b66?page=4"></a> <a title="CML Yearbook 2009/2010 page 114" href="http://viewer.zmags.co.uk/publication/64626b66?page=114">MEMBERSMonmouthshire Building SocietyHe</a> MEMBERSMonmouthshire Building SocietyHe<a title="CML Yearbook 2009/2010 page 22" href="http://viewer.zmags.co.uk/publication/64626b66?page=22">Standing out from the crowd</a> Standing out from the crowd<a title="CML Yearbook 2009/2010 page 37" href="http://viewer.zmags.co.uk/publication/64626b66?page=37">Valuations in a volatile houseprice environment</a> Valuations in a volatile houseprice environment<a title="CML Yearbook 2009/2010 page 21" href="http://viewer.zmags.co.uk/publication/64626b66?page=21">Court measuresLast November, the Civil Justice </a> Court measuresLast November, the Civil Justice <a title="CML Yearbook 2009/2010 page 94" href="http://viewer.zmags.co.uk/publication/64626b66?page=94">MEMBERSChelsea Mortgage ServicesHead Of</a> MEMBERSChelsea Mortgage ServicesHead Of<a title="CML Yearbook 2009/2010 page 159" href="http://viewer.zmags.co.uk/publication/64626b66?page=159"></a> <a title="CML Yearbook 2009/2010 page 6" href="http://viewer.zmags.co.uk/publication/64626b66?page=6"></a> <a title="CML Yearbook 2009/2010 page 53" href="http://viewer.zmags.co.uk/publication/64626b66?page=53">And there will be limited appetite from amateur o</a> And there will be limited appetite from amateur o<a title="CML Yearbook 2009/2010 page 14" href="http://viewer.zmags.co.uk/publication/64626b66?page=14"></a> <a title="CML Yearbook 2009/2010 page 103" href="http://viewer.zmags.co.uk/publication/64626b66?page=103">MEMBERSFirst Trust BankHead Office:4 Q</a> MEMBERSFirst Trust BankHead Office:4 Q<a title="CML Yearbook 2009/2010 page 47" href="http://viewer.zmags.co.uk/publication/64626b66?page=47">HIP replacement?Since 6 April this</a> HIP replacement?Since 6 April this<a title="CML Yearbook 2009/2010 page 126" href="http://viewer.zmags.co.uk/publication/64626b66?page=126">MEMBERSStroud and Swindon Building Society</a> MEMBERSStroud and Swindon Building Society<a title="CML Yearbook 2009/2010 page 98" href="http://viewer.zmags.co.uk/publication/64626b66?page=98">MEMBERSCo-operative Bank plc (The)Head </a> MEMBERSCo-operative Bank plc (The)Head <a title="CML Yearbook 2009/2010 page 68" href="http://viewer.zmags.co.uk/publication/64626b66?page=68"></a> <a title="CML Yearbook 2009/2010 page 77" href="http://viewer.zmags.co.uk/publication/64626b66?page=77">providers and intermediaries and can only be over</a> providers and intermediaries and can only be over<a title="CML Yearbook 2009/2010 page 116" href="http://viewer.zmags.co.uk/publication/64626b66?page=116">MEMBERSNational Westminster Home Loans Ltd</a> MEMBERSNational Westminster Home Loans Ltd<a title="CML Yearbook 2009/2010 page 30" href="http://viewer.zmags.co.uk/publication/64626b66?page=30">Debt Management Services LtdSt Peter's House, O</a> Debt Management Services LtdSt Peter's House, O<a title="CML Yearbook 2009/2010 page 131" href="http://viewer.zmags.co.uk/publication/64626b66?page=131">MEMBERSYorkshire Building SocietyHead O</a> MEMBERSYorkshire Building SocietyHead O<a title="CML Yearbook 2009/2010 page 111" href="http://viewer.zmags.co.uk/publication/64626b66?page=111">MEMBERSLeeds Building SocietyHead Offic</a> MEMBERSLeeds Building SocietyHead Offic<a title="CML Yearbook 2009/2010 page 59" href="http://viewer.zmags.co.uk/publication/64626b66?page=59">Mortgage Technology – A viewof future IT investm</a> Mortgage Technology – A viewof future IT investm<a title="CML Yearbook 2009/2010 page 138" href="http://viewer.zmags.co.uk/publication/64626b66?page=138">ASSOCIATESCobbetts LLPHead Office:58 M</a> ASSOCIATESCobbetts LLPHead Office:58 M<a title="CML Yearbook 2009/2010 page 11" href="http://viewer.zmags.co.uk/publication/64626b66?page=11">Who's who at the CMLBernard ClarkeCommun</a> Who's who at the CMLBernard ClarkeCommun<a title="CML Yearbook 2009/2010 page 74" href="http://viewer.zmags.co.uk/publication/64626b66?page=74">page 72</a> page 72<a title="CML Yearbook 2009/2010 page 129" href="http://viewer.zmags.co.uk/publication/64626b66?page=129">MEMBERSUlster BankHead Office:Group He</a> MEMBERSUlster BankHead Office:Group He<a title="CML Yearbook 2009/2010 page 122" href="http://viewer.zmags.co.uk/publication/64626b66?page=122">MEMBERSPrincipality Building SocietyHea</a> MEMBERSPrincipality Building SocietyHea<a title="CML Yearbook 2009/2010 page 33" href="http://viewer.zmags.co.uk/publication/64626b66?page=33">The future of legal services –a threat or an opp</a> The future of legal services –a threat or an opp<a title="CML Yearbook 2009/2010 page 51" href="http://viewer.zmags.co.uk/publication/64626b66?page=51">Prospects for thebuy-to-let marketNo</a> Prospects for thebuy-to-let marketNo<a title="CML Yearbook 2009/2010 page 156" href="http://viewer.zmags.co.uk/publication/64626b66?page=156">ASSOCIATESUBS AGHead Office:ZurichTel</a> ASSOCIATESUBS AGHead Office:ZurichTel<a title="CML Yearbook 2009/2010 page 161" href="http://viewer.zmags.co.uk/publication/64626b66?page=161"></a> <a title="CML Yearbook 2009/2010 page 65" href="http://viewer.zmags.co.uk/publication/64626b66?page=65">Mortgage fraud:latest developmentsCh</a> Mortgage fraud:latest developmentsCh<a title="CML Yearbook 2009/2010 page 158" href="http://viewer.zmags.co.uk/publication/64626b66?page=158">ADVERTISERS' INDEXABERDEIN. CONSIDINE & </a> ADVERTISERS' INDEXABERDEIN. CONSIDINE & <a title="CML Yearbook 2009/2010 page 34" href="http://viewer.zmags.co.uk/publication/64626b66?page=34">Conveyancing Searches Across The South HantsW</a> Conveyancing Searches Across The South HantsW<a title="CML Yearbook 2009/2010 page 28" href="http://viewer.zmags.co.uk/publication/64626b66?page=28">page 26</a> page 26<a title="CML Yearbook 2009/2010 page 57" href="http://viewer.zmags.co.uk/publication/64626b66?page=57">Lenders are increasingly appointing a receiver of</a> Lenders are increasingly appointing a receiver of<a title="CML Yearbook 2009/2010 page 148" href="http://viewer.zmags.co.uk/publication/64626b66?page=148">ASSOCIATESPaymentshield LtdHead Office:</a> ASSOCIATESPaymentshield LtdHead Office:<a title="CML Yearbook 2009/2010 page 100" href="http://viewer.zmags.co.uk/publication/64626b66?page=100">MEMBERSCumberland Building SocietyHead </a> MEMBERSCumberland Building SocietyHead <a title="CML Yearbook 2009/2010 page 64" href="http://viewer.zmags.co.uk/publication/64626b66?page=64">model of procuration fees paid by lenders for eac</a> model of procuration fees paid by lenders for eac<a title="CML Yearbook 2009/2010 page 109" href="http://viewer.zmags.co.uk/publication/64626b66?page=109">MEMBERSJust Retirement plcHead Office:</a> MEMBERSJust Retirement plcHead Office:<a title="CML Yearbook 2009/2010 page 36" href="http://viewer.zmags.co.uk/publication/64626b66?page=36"></a> <a title="CML Yearbook 2009/2010 page 71" href="http://viewer.zmags.co.uk/publication/64626b66?page=71">New BuildHouse builders have suffe</a> New BuildHouse builders have suffe<a title="CML Yearbook 2009/2010 page 60" href="http://viewer.zmags.co.uk/publication/64626b66?page=60">TransPromo – Transforming Financial Service Mark</a> TransPromo – Transforming Financial Service Mark<a title="CML Yearbook 2009/2010 page 48" href="http://viewer.zmags.co.uk/publication/64626b66?page=48">Fasttrac SolicitorsWon by Coventry Building Soci</a> Fasttrac SolicitorsWon by Coventry Building Soci<a title="CML Yearbook 2009/2010 page 115" href="http://viewer.zmags.co.uk/publication/64626b66?page=115">MEMBERSMortgages plcHead Office:Spectr</a> MEMBERSMortgages plcHead Office:Spectr<a title="CML Yearbook 2009/2010 page 141" href="http://viewer.zmags.co.uk/publication/64626b66?page=141">ASSOCIATESFitch RatingsLondon Head Offi</a> ASSOCIATESFitch RatingsLondon Head Offi<a title="CML Yearbook 2009/2010 page 97" href="http://viewer.zmags.co.uk/publication/64626b66?page=97">MEMBERSChurch House Trust PlcHead Offic</a> MEMBERSChurch House Trust PlcHead Offic<a title="CML Yearbook 2009/2010 page 50" href="http://viewer.zmags.co.uk/publication/64626b66?page=50"></a> <a title="CML Yearbook 2009/2010 page 137" href="http://viewer.zmags.co.uk/publication/64626b66?page=137">ASSOCIATESCheckmate Mortgages LtdHead O</a> ASSOCIATESCheckmate Mortgages LtdHead O<a title="CML Yearbook 2009/2010 page 72" href="http://viewer.zmags.co.uk/publication/64626b66?page=72">COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010C</a> COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010C<a title="CML Yearbook 2009/2010 page 113" href="http://viewer.zmags.co.uk/publication/64626b66?page=113">MEMBERSMarket Harborough Building Society</a> MEMBERSMarket Harborough Building Society<a title="CML Yearbook 2009/2010 page 93" href="http://viewer.zmags.co.uk/publication/64626b66?page=93">MEMBERSCentral Homeloans LimitedHead Of</a> MEMBERSCentral Homeloans LimitedHead Of<a title="CML Yearbook 2009/2010 page 149" href="http://viewer.zmags.co.uk/publication/64626b66?page=149">ASSOCIATESRegisters of ScotlandHead Off</a> ASSOCIATESRegisters of ScotlandHead Off<a title="CML Yearbook 2009/2010 page 24" href="http://viewer.zmags.co.uk/publication/64626b66?page=24">The undisputedmarket leaderProviding </a> The undisputedmarket leaderProviding <a title="CML Yearbook 2009/2010 page 130" href="http://viewer.zmags.co.uk/publication/64626b66?page=130">MEMBERSWave Lending LimitedHead Office:</a> MEMBERSWave Lending LimitedHead Office:<a title="CML Yearbook 2009/2010 page 86" href="http://viewer.zmags.co.uk/publication/64626b66?page=86">MEMBERSAirdrie Savings BankHead Office:</a> MEMBERSAirdrie Savings BankHead Office:<a title="CML Yearbook 2009/2010 page 31" href="http://viewer.zmags.co.uk/publication/64626b66?page=31">What we see is a clear correlation between disrup</a> What we see is a clear correlation between disrup<a title="CML Yearbook 2009/2010 page 160" href="http://viewer.zmags.co.uk/publication/64626b66?page=160"></a> <a title="CML Yearbook 2009/2010 page 117" href="http://viewer.zmags.co.uk/publication/64626b66?page=117">MEMBERSNew Life Mortgages LimitedHead O</a> MEMBERSNew Life Mortgages LimitedHead O<a title="CML Yearbook 2009/2010 page 120" href="http://viewer.zmags.co.uk/publication/64626b66?page=120">MEMBERSNottingham Building SocietyHead </a> MEMBERSNottingham Building SocietyHead <a title="CML Yearbook 2009/2010 page 69" href="http://viewer.zmags.co.uk/publication/64626b66?page=69">18,000 home purchases in a year, compared to our </a> 18,000 home purchases in a year, compared to our <a title="CML Yearbook 2009/2010 page 152" href="http://viewer.zmags.co.uk/publication/64626b66?page=152">page 148</a> page 148<a title="CML Yearbook 2009/2010 page 38" href="http://viewer.zmags.co.uk/publication/64626b66?page=38">page 36</a> page 36<a title="CML Yearbook 2009/2010 page 80" href="http://viewer.zmags.co.uk/publication/64626b66?page=80"></a> <a title="CML Yearbook 2009/2010 page 104" href="http://viewer.zmags.co.uk/publication/64626b66?page=104">MEMBERSGE Money Home Lending LimitedHea</a> MEMBERSGE Money Home Lending LimitedHea<a title="CML Yearbook 2009/2010 page 43" href="http://viewer.zmags.co.uk/publication/64626b66?page=43">In the first three months of this year, there wer</a> In the first three months of this year, there wer<a title="CML Yearbook 2009/2010 page 26" href="http://viewer.zmags.co.uk/publication/64626b66?page=26">page 24</a> page 24<a title="CML Yearbook 2009/2010 page 143" href="http://viewer.zmags.co.uk/publication/64626b66?page=143">ASSOCIATESIBM Global Business ServicesU</a> ASSOCIATESIBM Global Business ServicesU<a title="CML Yearbook 2009/2010 page 32" href="http://viewer.zmags.co.uk/publication/64626b66?page=32"></a> <a title="CML Yearbook 2009/2010 page 46" href="http://viewer.zmags.co.uk/publication/64626b66?page=46">0203 174 0182page 44</a> 0203 174 0182page 44<a title="CML Yearbook 2009/2010 page 162" href="http://viewer.zmags.co.uk/publication/64626b66?page=162"></a> <a title="CML Yearbook 2009/2010 page 147" href="http://viewer.zmags.co.uk/publication/64626b66?page=147">ASSOCIATESMorton Fraser LLPHead Office:</a> ASSOCIATESMorton Fraser LLPHead Office:<a title="CML Yearbook 2009/2010 page 128" href="http://viewer.zmags.co.uk/publication/64626b66?page=128">MEMBERSTopaz Finance PLCHead Office:10</a> MEMBERSTopaz Finance PLCHead Office:10<a title="CML Yearbook 2009/2010 page 91" href="http://viewer.zmags.co.uk/publication/64626b66?page=91">MEMBERSBradford & Bingley PLCHead Offic</a> MEMBERSBradford & Bingley PLCHead Offic<a title="CML Yearbook 2009/2010 page 66" href="http://viewer.zmags.co.uk/publication/64626b66?page=66">brokers. By looking at information from a variety</a> brokers. By looking at information from a variety<a title="CML Yearbook 2009/2010 page 132" href="http://viewer.zmags.co.uk/publication/64626b66?page=132">ASSOCIATESAssociates Addendummovewithus </a> ASSOCIATESAssociates Addendummovewithus <a title="CML Yearbook 2009/2010 page 67" href="http://viewer.zmags.co.uk/publication/64626b66?page=67">What lenders needto make low-costhomeownership</a> What lenders needto make low-costhomeownership<a title="CML Yearbook 2009/2010 page 70" href="http://viewer.zmags.co.uk/publication/64626b66?page=70">The HCA envisages no more than 20,000 shared owne</a> The HCA envisages no more than 20,000 shared owne<a title="CML Yearbook 2009/2010 page 8" href="http://viewer.zmags.co.uk/publication/64626b66?page=8"></a> <a title="CML Yearbook 2009/2010 page 85" href="http://viewer.zmags.co.uk/publication/64626b66?page=85">MEMBERSAhli United Bank ( UK ) plcHead </a> MEMBERSAhli United Bank ( UK ) plcHead <a title="CML Yearbook 2009/2010 page 118" href="http://viewer.zmags.co.uk/publication/64626b66?page=118">MEMBERSNewcastle Building SocietyHead O</a> MEMBERSNewcastle Building SocietyHead O<a title="CML Yearbook 2009/2010 page 15" href="http://viewer.zmags.co.uk/publication/64626b66?page=15">The outlook for mortgagearrears and possessions</a> The outlook for mortgagearrears and possessions<a title="CML Yearbook 2009/2010 page 144" href="http://viewer.zmags.co.uk/publication/64626b66?page=144">ASSOCIATESKPMG LLPHead Office:One Cana</a> ASSOCIATESKPMG LLPHead Office:One Cana<a title="CML Yearbook 2009/2010 page 9" href="http://viewer.zmags.co.uk/publication/64626b66?page=9">IntroductionBy Michael Coogan, Director Gene</a> IntroductionBy Michael Coogan, Director Gene<a title="CML Yearbook 2009/2010 page 145" href="http://viewer.zmags.co.uk/publication/64626b66?page=145">ASSOCIATESLondon General Insurance Company </a> ASSOCIATESLondon General Insurance Company <a title="CML Yearbook 2009/2010 page 10" href="http://viewer.zmags.co.uk/publication/64626b66?page=10">Who's who at the CMLAn introduction to the t</a> Who's who at the CMLAn introduction to the t<a title="CML Yearbook 2009/2010 page 2" href="http://viewer.zmags.co.uk/publication/64626b66?page=2"></a> <a title="CML Yearbook 2009/2010 page 110" href="http://viewer.zmags.co.uk/publication/64626b66?page=110">Leaders in Specialist Media> Full Publishing Se</a> Leaders in Specialist Media> Full Publishing Se<a title="CML Yearbook 2009/2010 page 82" href="http://viewer.zmags.co.uk/publication/64626b66?page=82">MEMBERSMembers' indexAbbey Nationa</a> MEMBERSMembers' indexAbbey Nationa<a title="CML Yearbook 2009/2010 page 146" href="http://viewer.zmags.co.uk/publication/64626b66?page=146">ASSOCIATESMazars LLPHead Office:Tower B</a> ASSOCIATESMazars LLPHead Office:Tower B<a title="CML Yearbook 2009/2010 page 63" href="http://viewer.zmags.co.uk/publication/64626b66?page=63">The outlook formortgage distribution</a> The outlook formortgage distribution<a title="CML Yearbook 2009/2010 page 139" href="http://viewer.zmags.co.uk/publication/64626b66?page=139">ASSOCIATESCrown Mortgage Management Ltd</a> ASSOCIATESCrown Mortgage Management Ltd<a title="CML Yearbook 2009/2010 page 12" href="http://viewer.zmags.co.uk/publication/64626b66?page=12">Today is a buyer's market for asset, all </a> Today is a buyer's market for asset, all <a title="CML Yearbook 2009/2010 page 13" href="http://viewer.zmags.co.uk/publication/64626b66?page=13">Have you identifiedthe mortgage risks?With </a> Have you identifiedthe mortgage risks?With <a title="CML Yearbook 2009/2010 page 25" href="http://viewer.zmags.co.uk/publication/64626b66?page=25">For lenders and asset managers alike, the key to </a> For lenders and asset managers alike, the key to <a title="CML Yearbook 2009/2010 page 89" href="http://viewer.zmags.co.uk/publication/64626b66?page=89">MEMBERSBank of Ireland MortgagesHead Of</a> MEMBERSBank of Ireland MortgagesHead Of<a title="CML Yearbook 2009/2010 page 19" href="http://viewer.zmags.co.uk/publication/64626b66?page=19">Some court actions for possessions will have been</a> Some court actions for possessions will have been<a title="CML Yearbook 2009/2010 page 7" href="http://viewer.zmags.co.uk/publication/64626b66?page=7">ContentsWe very gratefullyacknowledg</a> ContentsWe very gratefullyacknowledg<a title="CML Yearbook 2009/2010 page 84" href="http://viewer.zmags.co.uk/publication/64626b66?page=84">MEMBERSAbbey National plcHead </a> MEMBERSAbbey National plcHead <a title="CML Yearbook 2009/2010 page 150" href="http://viewer.zmags.co.uk/publication/64626b66?page=150">ASSOCIATESRosling King LLPHead Office:</a> ASSOCIATESRosling King LLPHead Office:<a title="CML Yearbook 2009/2010 page 135" href="http://viewer.zmags.co.uk/publication/64626b66?page=135">ASSOCIATESB Legal LimitedHead Office:O</a> ASSOCIATESB Legal LimitedHead Office:O<a title="CML Yearbook 2009/2010 page 99" href="http://viewer.zmags.co.uk/publication/64626b66?page=99">MEMBERSCredit & Mercantile PlcHead Offi</a> MEMBERSCredit & Mercantile PlcHead Offi<a title="CML Yearbook 2009/2010 page 41" href="http://viewer.zmags.co.uk/publication/64626b66?page=41">conservative lending criteria have affected the d</a> conservative lending criteria have affected the d<a title="CML Yearbook 2009/2010 page 54" href="http://viewer.zmags.co.uk/publication/64626b66?page=54">page 52</a> page 52<a title="CML Yearbook 2009/2010 page 140" href="http://viewer.zmags.co.uk/publication/64626b66?page=140">ASSOCIATESEversheds LLPHead Office:One</a> ASSOCIATESEversheds LLPHead Office:One<a title="CML Yearbook 2009/2010 page 56" href="http://viewer.zmags.co.uk/publication/64626b66?page=56">page 54</a> page 54<a title="CML Yearbook 2009/2010 page 16" href="http://viewer.zmags.co.uk/publication/64626b66?page=16"></a> <a title="CML Yearbook 2009/2010 page 154" href="http://viewer.zmags.co.uk/publication/64626b66?page=154">ASSOCIATESTaylor Wessing LLPHead Office</a> ASSOCIATESTaylor Wessing LLPHead Office<a title="CML Yearbook 2009/2010 page 106" href="http://viewer.zmags.co.uk/publication/64626b66?page=106">MEMBERSHinckley and Rugby Building Society</a> MEMBERSHinckley and Rugby Building Society<a title="CML Yearbook 2009/2010 page 78" href="http://viewer.zmags.co.uk/publication/64626b66?page=78"></a> <a title="CML Yearbook 2009/2010 page 155" href="http://viewer.zmags.co.uk/publication/64626b66?page=155">ASSOCIATESTietoHead Office:Gainsboroug</a> ASSOCIATESTietoHead Office:Gainsboroug<a title="CML Yearbook 2009/2010 page 35" href="http://viewer.zmags.co.uk/publication/64626b66?page=35">directly to consumers. Link ups between lenders </a> directly to consumers. Link ups between lenders <a title="CML Yearbook 2009/2010 page 96" href="http://viewer.zmags.co.uk/publication/64626b66?page=96">MEMBERSCHL MortgagesHead Office:Admira</a> MEMBERSCHL MortgagesHead Office:Admira<a title="CML Yearbook 2009/2010 page 20" href="http://viewer.zmags.co.uk/publication/64626b66?page=20">page 18</a> page 18<a title="CML Yearbook 2009/2010 page 40" href="http://viewer.zmags.co.uk/publication/64626b66?page=40">Scotland, Wales andNorthern Ireland round-up</a> Scotland, Wales andNorthern Ireland round-up<a title="CML Yearbook 2009/2010 page 45" href="http://viewer.zmags.co.uk/publication/64626b66?page=45">their fixed-rate mortgage ranges, reflecting the </a> their fixed-rate mortgage ranges, reflecting the <a title="CML Yearbook 2009/2010 page 29" href="http://viewer.zmags.co.uk/publication/64626b66?page=29">The Survey of English Housing has for many years </a> The Survey of English Housing has for many years <a title="CML Yearbook 2009/2010 page 79" href="http://viewer.zmags.co.uk/publication/64626b66?page=79"></a> <a title="CML Yearbook 2009/2010 page 133" href="http://viewer.zmags.co.uk/publication/64626b66?page=133">ASSOCIATESAssociate members' index</a> ASSOCIATESAssociate members' index<a title="CML Yearbook 2009/2010 page 102" href="http://viewer.zmags.co.uk/publication/64626b66?page=102">MEMBERSEcology Building SocietyHead Off</a> MEMBERSEcology Building SocietyHead Off<a title="CML Yearbook 2009/2010 page 123" href="http://viewer.zmags.co.uk/publication/64626b66?page=123">MEMBERSRoyal Bank of Scotland plc (The)</a> MEMBERSRoyal Bank of Scotland plc (The)<a title="CML Yearbook 2009/2010 page 90" href="http://viewer.zmags.co.uk/publication/64626b66?page=90">MEMBERSBasinghall Finance PLCHead Offic</a> MEMBERSBasinghall Finance PLCHead Offic<a title="CML Yearbook 2009/2010 page 119" href="http://viewer.zmags.co.uk/publication/64626b66?page=119">MEMBERSNorthern Rock plcHead Office:No</a> MEMBERSNorthern Rock plcHead Office:No<a title="CML Yearbook 2009/2010 page 52" href="http://viewer.zmags.co.uk/publication/64626b66?page=52">The reduction in the number of active buy-to-let </a> The reduction in the number of active buy-to-let <a title="CML Yearbook 2009/2010 page 58" href="http://viewer.zmags.co.uk/publication/64626b66?page=58">page 56</a> page 56<a title="CML Yearbook 2009/2010 page 125" href="http://viewer.zmags.co.uk/publication/64626b66?page=125">MEMBERSSkipton Building SocietyHead Off</a> MEMBERSSkipton Building SocietyHead Off<a title="CML Yearbook 2009/2010 page 153" href="http://viewer.zmags.co.uk/publication/64626b66?page=153">ASSOCIATESStephenson HarwoodHead Office:</a> ASSOCIATESStephenson HarwoodHead Office:<a title="CML Yearbook 2009/2010 page 108" href="http://viewer.zmags.co.uk/publication/64626b66?page=108">MEMBERSING Direct N.V.Head Office:410 </a> MEMBERSING Direct N.V.Head Office:410 <a title="CML Yearbook 2009/2010 page 95" href="http://viewer.zmags.co.uk/publication/64626b66?page=95">MEMBERSCheshire Mortgage Corporation Limite</a> MEMBERSCheshire Mortgage Corporation Limite<a title="CML Yearbook 2009/2010 page 136" href="http://viewer.zmags.co.uk/publication/64626b66?page=136">ASSOCIATESCalnea Analytics LtdHead Offi</a> ASSOCIATESCalnea Analytics LtdHead Offi<a title="CML Yearbook 2009/2010 page 3" href="http://viewer.zmags.co.uk/publication/64626b66?page=3"></a> <a title="CML Yearbook 2009/2010 page 55" href="http://viewer.zmags.co.uk/publication/64626b66?page=55">LPA Receiver of RentThe recession </a> LPA Receiver of RentThe recession <a title="CML Yearbook 2009/2010 page 105" href="http://viewer.zmags.co.uk/publication/64626b66?page=105">MEMBERSHampshire Trust plcHead Office:</a> MEMBERSHampshire Trust plcHead Office:<a title="CML Yearbook 2009/2010 page 39" href="http://viewer.zmags.co.uk/publication/64626b66?page=39">from volatile house prices. One particular area w</a> from volatile house prices. One particular area w<a title="CML Yearbook 2009/2010 page 75" href="http://viewer.zmags.co.uk/publication/64626b66?page=75">Mortgage protectionWhile the CML’s</a> Mortgage protectionWhile the CML’s<a title="CML Yearbook 2009/2010 page 44" href="http://viewer.zmags.co.uk/publication/64626b66?page=44">RemortgagingDuring the market down</a> RemortgagingDuring the market down<a title="CML Yearbook 2009/2010 page 49" href="http://viewer.zmags.co.uk/publication/64626b66?page=49">HIP providers), and significant training and impl</a> HIP providers), and significant training and impl<a title="CML Yearbook 2009/2010 page 121" href="http://viewer.zmags.co.uk/publication/64626b66?page=121">MEMBERSParagon Mortgages LimitedHead Of</a> MEMBERSParagon Mortgages LimitedHead Of<a title="CML Yearbook 2009/2010 page 5" href="http://viewer.zmags.co.uk/publication/64626b66?page=5">Yearbook &Directory of Lenders andAssociated Se</a> Yearbook &Directory of Lenders andAssociated Se<a title="CML Yearbook 2009/2010 page 76" href="http://viewer.zmags.co.uk/publication/64626b66?page=76">Leaders in Specialist Media> Full Publishing S</a> Leaders in Specialist Media> Full Publishing S<a title="CML Yearbook 2009/2010 page 92" href="http://viewer.zmags.co.uk/publication/64626b66?page=92">MEMBERSBritannia Building SocietyHead Of</a> MEMBERSBritannia Building SocietyHead Of<a title="CML Yearbook 2009/2010 page 27" href="http://viewer.zmags.co.uk/publication/64626b66?page=27">Why debt counselling mattersWith t</a> Why debt counselling mattersWith t<a title="CML Yearbook 2009/2010 page 124" href="http://viewer.zmags.co.uk/publication/64626b66?page=124">MEMBERSSainsbury's Bank plcHead Office:</a> MEMBERSSainsbury's Bank plcHead Office:<a title="CML Yearbook 2009/2010 page 112" href="http://viewer.zmags.co.uk/publication/64626b66?page=112">MEMBERSLV Equity Release LimitedHead Of</a> MEMBERSLV Equity Release LimitedHead Of<a title="CML Yearbook 2009/2010 page 42" href="http://viewer.zmags.co.uk/publication/64626b66?page=42">The Welsh marketIn the first three months of th</a> The Welsh marketIn the first three months of th<a title="CML Yearbook 2009/2010 page 157" href="http://viewer.zmags.co.uk/publication/64626b66?page=157">ASSOCIATESWillis LimitedHead Office:Th</a> ASSOCIATESWillis LimitedHead Office:Th<a title="CML Yearbook 2009/2010 page 17" href="http://viewer.zmags.co.uk/publication/64626b66?page=17">Our forecastsAlthough we are expecting arrears </a> Our forecastsAlthough we are expecting arrears <a title="CML Yearbook 2009/2010 page 88" href="http://viewer.zmags.co.uk/publication/64626b66?page=88">MEMBERSAviva Equity Release UK LimitedH</a> MEMBERSAviva Equity Release UK LimitedH<a title="CML Yearbook 2009/2010 page 62" href="http://viewer.zmags.co.uk/publication/64626b66?page=62">that have led to increased and unsustainable cost</a> that have led to increased and unsustainable cost<a title="CML Yearbook 2009/2010 page 61" href="http://viewer.zmags.co.uk/publication/64626b66?page=61"></a> <a title="CML Yearbook 2009/2010 page 18" href="http://viewer.zmags.co.uk/publication/64626b66?page=18"></a>