Housing Debt and Home Loss: Law, Policy and Practice
Housing Debt and Home Loss: Law, Policy and Practice
Every year hundreds of thousands of households face the threat of losing their home due to rent or mortgage arrears. The impact this can have on the health and wellbeing of those involved, particularly children, can be significant, and yet little is known about their experience of the possession process. What we do know is that a significant number of them do not participate in the arrears and possession process or do so only when it is too late to save their home. This raises serious questions about the extent and quality of access to justice in housing possession cases, questions that have been made even more pertinent by the adverse impact of the COVID-19 pandemic on household finances and the consequent rise in possession claims.
In an effort to shine light on this under-researched area, this book puts the voice of occupiers at the centre of its exploration of access to justice in housing possession cases. Drawing on the first-hand accounts of those with experience of housing debt, it identifies the obstacles occupiers face in accessing advice and representation when their home is at risk, the impact this can have on the likelihood of them losing their home and the measures necessary to enhance access to justice for households at risk of eviction.
Access to Justice, Eviction, Housing Possession, Rent arrears, Mortgage arrears, Housing Policy
Whitehouse, Lisa
133227ed-ce6e-45f3-a591-69de56e4f535
Whitehouse, Lisa
133227ed-ce6e-45f3-a591-69de56e4f535
Whitehouse, Lisa
(2023)
Housing Debt and Home Loss: Law, Policy and Practice
(Perspectives on Law and Access to Justice),
Bristol University Press
Abstract
Every year hundreds of thousands of households face the threat of losing their home due to rent or mortgage arrears. The impact this can have on the health and wellbeing of those involved, particularly children, can be significant, and yet little is known about their experience of the possession process. What we do know is that a significant number of them do not participate in the arrears and possession process or do so only when it is too late to save their home. This raises serious questions about the extent and quality of access to justice in housing possession cases, questions that have been made even more pertinent by the adverse impact of the COVID-19 pandemic on household finances and the consequent rise in possession claims.
In an effort to shine light on this under-researched area, this book puts the voice of occupiers at the centre of its exploration of access to justice in housing possession cases. Drawing on the first-hand accounts of those with experience of housing debt, it identifies the obstacles occupiers face in accessing advice and representation when their home is at risk, the impact this can have on the likelihood of them losing their home and the measures necessary to enhance access to justice for households at risk of eviction.
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In preparation date: 14 February 2023
Keywords:
Access to Justice, Eviction, Housing Possession, Rent arrears, Mortgage arrears, Housing Policy
Identifiers
Local EPrints ID: 477473
URI: http://eprints.soton.ac.uk/id/eprint/477473
PURE UUID: 78cfb160-612c-4151-be4f-107889894e65
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Date deposited: 06 Jun 2023 17:15
Last modified: 07 Jun 2023 01:58
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