HEX
Server: Apache/2.4.58 (Ubuntu)
System: Linux ns3133907 6.8.0-84-generic #84-Ubuntu SMP PREEMPT_DYNAMIC Fri Sep 5 22:36:38 UTC 2025 x86_64
User: healthinsuranceukorguk (1111)
PHP: 8.2.28
Disabled: NONE
Upload Files
File: //home/roofmagazine.org.uk/public_html/features/P30.html
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html>
	<head>
	<meta http-equiv="Content-Type" content="text/html; charset=UTF-8"/>
		<title>ROOF Magazine - Features</title>
	<link rel="canonical" href="https://roofmagazine.org.uk/features/P30" />
		<link rel="shortcut icon" href="../images/roof/favicon.ico"/>
		<meta name="Title" content="ROOF Magazine - Charged out"/>
		<meta name="Description" content="New measures to stop sub-prime lenders from unfairly penalising borrowers in mortgage arrears are currently under review. But with firms flagrantly ignoring the existing code,…"/>
		<meta name="Subject" content="Charged out"/>
		<meta name="Publisher" content="ROOF Magazine, Shelter, 88 Old Street, London EC1V 9HU United Kingdom; roof@shelter.org.uk."/>
		<meta name="Date" content="12 March 2024"/>
		<meta name="Keywords" content="mortgage, arrears, housing, lenders"/>
		<link rel="stylesheet" type="text/css" href="../roof_styles/reset.css"/>
		<link rel="stylesheet" type="text/css" href="../roof_styles/roofstyles.css"/>
		<link rel="stylesheet" type="text/css" href="../roof_styles/thickbox.css"/>
		<script type="text/javascript" src="../scripts/jquery.js"></script>	
		<script type="text/javascript" src="../roof_scripts/thickbox.js"></script>		
		<script type="text/javascript" src="../roof_scripts/basicscripts.js"></script>		
		<!--[if lt IE 7]>
			<link rel="stylesheet" type="text/css" href="http://www.roofmagazine.org.uk/roof_styles/ie_less_seven.css" />
		<![endif]-->
	</head>
	<body>
<script type="text/javascript">
try {
} catch(err) {}</script>
		<!--div id="baseline"></div-->
		<!--div id="columns"><div id="columns_bg"></div></div-->
		<div id="container" class="clearfix">
			<a name="topofpage"></a>
<div class="line" id="adbar60">
  			<div id="toplh_ad">
   					<a href="/" target="_blank"><img src="../openx/www/images/homelessness_conf_2010.homelessanim.gif" width="468" height="60" alt="Lime Legal" title="Lime Legal" border="0"/></a><div id="beacon_d75dd20125" style="position: absolute; left: 0px; top: 0px; visibility: hidden;"></div>
  			</div>
  			<div id="toprh_ad">
   					<a href="/" target="_blank"><img src="../openx/www/images/localgovbanner.gif" width="468" height="60" alt="LocalGov" title="LocalGov" border="0"/></a><div id="beacon_58ba82b8e9" style="position: absolute; left: 0px; top: 0px; visibility: hidden;"></div>
			</div>
  			</div>
			<div class="line">
    			<div class="item" id="header">
      				<div class="sap-content">
   					<a href="/"><img src="../images/roof/roof_logo_final.png" alt="ROOF - For better housing" id="roof_logo"/></a>
   					<ul id="main_navigation">
     <li><a href="../roofblog">Blog</a></li>
     <li><a href="../features">Features</a></li>
     <li><a href="../opinion">Opinion</a></li>
     <li><a href="../jobs">Jobs</a></li>
     <li><a href="../diary">Diary</a></li>
     <li class="final_item"><a href="../about">About ROOF</a></li>
</ul>
   					<form method="post" action="/">
<div class="hiddenFields">
<input type="hidden" name="ACT" value="19"/>
<input type="hidden" name="XID" value="fbed0b93b75c49ef021d8ee895c91cc9"/>
<input type="hidden" name="RP" value="search&amp;#47;results"/>
<input type="hidden" name="NRP" value=""/>
<input type="hidden" name="RES" value="10"/>
<input type="hidden" name="status" value=""/>
<input type="hidden" name="weblog" value="features|diary|roofblog|opinion|about"/>
<input type="hidden" name="search_in" value="everywhere"/>
<input type="hidden" name="where" value="all"/>
<input type="hidden" name="site_id" value="1"/>
</div>
	<div id="searchbox">
      		<input type="text" name="keywords" id="main_searchfield" value="Search this site"/>
      		<button id="main_search_button" type="submit"></button>			
      	</div>
</form>
   					<div id="subscription_promo">
	<p id="promo_text">Online access is now Free. If you have an existing subscription <a href="../subscriptions">click here</a> for more information</p>
<!--p id="password_reminder"><a href="https://roofmagazine.org.uk/subscriptions/reset_password.php">Forgot your password?</a></p-->
</div>
 					<!--div id="login_instruction">Login for your online access: </div--><!--div class="item" id="login_box"><form method="post" action="http://www.roofmagazine.org.uk/"  >
<div class='hiddenFields'>
<input type="hidden" name="XID" value="0650f77b3c8cccd9afc953f921e6421e" />
<input type="hidden" name="ACT" value="9" />
<input type="hidden" name="RET" value="//features/P30/" />
<input type="hidden" name="site_id" value="1" />
</div>
      		<input type="text" id="login_user_name" value="ROOF reference" name="username" />
      		<input type="password" id="login_password" value="Password" name="password" />
      		<input type="submit" name="submit" value="Login" id="login_button" />			
</form>
</div-->
      				</div>
    			</div>
  			</div>
  			<div class="line clearfix">
  			<div class="item" id="navigation_column">
    				<ul id="topics_navigation" class="nav_categories">
	<li><a href="../features/category/analysis">Analysis</a></li>
	<li><a href="../features/category/columns">Columns</a></li>
	<li><a href="../features/category/finance">Finance</a></li>
	<li><a href="../features/category/guest_writers">Guest writers</a></li>
	<li><a href="../features/category/interviews">Interviews</a></li>
	<li><a href="../features/category/politics">Politics</a></li>
	<li><a href="../features/category/renting">Renting</a></li>
</ul>
<div style="display: none;">
<table class="calendarBG" border="0" cellpadding="0" cellspacing="0" summary="My Calendar">
<tr class="calendarHeader">
<th><div class="calendarMonthLinks"><a href="../features/2012/01"><img src="../images/roof/l_arrow_rev.gif" alt=""/></a></div></th>
<th colspan="5">February 2012</th>
<th><div class="calendarMonthLinks"><a class="calendarMonthLinks" href="../features/2012/03"><img src="../images/roof/r_arrow_rev.gif" alt=""/></a></div></th>
</tr>
<tr>
<td class="calendarDayHeading">S</td>
<td class="calendarDayHeading">M</td>
<td class="calendarDayHeading">T</td>
<td class="calendarDayHeading">W</td>
<td class="calendarDayHeading">T</td>
<td class="calendarDayHeading">F</td>
<td class="calendarDayHeading">S</td>
</tr>
<tr>
<td class="calendarBlank">29</td>
<td class="calendarBlank">30</td>
<td class="calendarBlank">31</td>
<td class="calendarCell" align="center">1</td>
<td class="calendarCell" align="center">2</td>
<td class="calendarCell" align="center">3</td>
<td class="calendarCell" align="center">4</td>
</tr><tr>
<td class="calendarCell" align="center">5</td>
<td class="calendarCell" align="center">6</td>
<td class="calendarCell" align="center">7</td>
<td class="calendarCell" align="center">8</td>
<td class="calendarCell" align="center">9</td>
<td class="calendarCell" align="center">10</td>
<td class="calendarToday" align="center">11</td>
</tr><tr>
<td class="calendarCell" align="center">12</td>
<td class="calendarCell" align="center">13</td>
<td class="calendarCell" align="center">14</td>
<td class="calendarCell" align="center">15</td>
<td class="calendarCell" align="center">16</td>
<td class="calendarCell" align="center">17</td>
<td class="calendarCell" align="center">18</td>
</tr><tr>
<td class="calendarCell" align="center">19</td>
<td class="calendarCell" align="center">20</td>
<td class="calendarCell" align="center">21</td>
<td class="calendarCell" align="center">22</td>
<td class="calendarCell" align="center">23</td>
<td class="calendarCell" align="center">24</td>
<td class="calendarCell" align="center">25</td>
</tr><tr>
<td class="calendarCell" align="center">26</td>
<td class="calendarCell" align="center">27</td>
<td class="calendarCell" align="center">28</td>
<td class="calendarCell" align="center">29</td>
<td class="calendarBlank">1</td>
<td class="calendarBlank">2</td>
<td class="calendarBlank">3</td></tr>
</table>
</div>
   			</div>
			<div class="item" id="content_column">
    			<ul id="features_breadcrumb_trail">
	<li><a href="/">ROOF</a></li>
    <li>Features</li>
</ul>
    				    					<div id="feature_listing_archive">
<h1 id="category_header">Features</h1>
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/boom_to_bust_mk_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/boom_to_bust">Boom to bust</a></h2>
	<p class="feature_date">28 August 2023</p>
	<div class="summary">
		<p>Milton Keynes was once a magnet for &lsquo;new economy&rsquo; businesses. During the past 40 years, the town has quadrupled in size, but the companies that fuelled the expansion are pulling out. Report by Tony Marshall.
</p>
		<p class="readmore_feature"><a href="../features/boom_to_bust">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/bidding_up_risk_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/bidding_up_the_risk">Bidding up the risk</a></h2>
	<p class="feature_date">28 August 2023</p>
	<div class="summary">
		<p>An Edinburgh council bid to cut costs has brought chaos to its homelessness services and put children in danger, reports Tony Marshall.
</p>
		<p class="readmore_feature"><a href="../features/bidding_up_the_risk">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
<div class="free_label"><p>Free Article</p></div>
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/tory_red_blue_tie.jpg" alt="Conservatives - Red to Blue tie" width="198" height="135"/>
</p></div>
	<h2><a href="../features/red_tory_or_true_blue">Red Tory or true blue?</a></h2>
	<p class="feature_date">17 August 2023</p>
	<div class="summary">
		<p>Barring a huge upset or an early election we will wake up on the morning of Friday June 4 to the first Conservative government in 13 years. But what kind of Conservatives will be in charge &#150; and what will it mean for housing? Report by Julian Birch.
</p>
		<p class="readmore_feature"><a href="../features/red_tory_or_true_blue">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
<div class="free_label"><p>Free Article</p></div>
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/18_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/sold_out1">Sold out</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>The fall-out from the sub-prime crisis is starting as homeowners irresponsibly sold loans they could never hope to pay back are being found intentionally homeless. Tom Marshall and Bill Rashleigh investigate 
</p>
		<p class="readmore_feature"><a href="../features/sold_out1">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/17_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/needle_work">Needle work</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>Paul O’Hanlon on the destructive effect drugs have had on on his fellow hostel residents.
</p>
		<p class="readmore_feature"><a href="../features/needle_work">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/34_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/love_thy_neighbour">Love thy neighbour?</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>Mixed tenure developments have been held up as a model for promoting social cohesion. But new research has found that residents are often unhappy about sharing their area with people in different types of housing tenure. Joanne Bretherton reports.
</p>
		<p class="readmore_feature"><a href="../features/love_thy_neighbour">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
<div class="free_label"><p>Free Article</p></div>
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/31_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/continental_gift">Continental gift</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>Experiences in Europe show that regulation and private renting are not mutually exclusive. Jan Jager reports from Holland and Germany on the lessons for the UK.
</p>
		<p class="readmore_feature"><a href="../features/continental_gift">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/24_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/escape_to_poverty">Escape to poverty</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>Anne Scholl reports on the thousands of women and children who can’t return home and are living in destitution in the UK because their asylum claims have been rejected
</p>
		<p class="readmore_feature"><a href="../features/escape_to_poverty">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/28_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/seconds_out">Seconds out</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>A new repossession crisis is happening beyond the reach of government help for homeowners and the scope of official repossession statistics. Tony Marshall reports on the menace of second charge loans
</p>
		<p class="readmore_feature"><a href="../features/seconds_out">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/200906/22_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/now_you_see_it">Now you see it&#8230;</a></h2>
	<p class="feature_date">18 June 2023</p>
	<div class="summary">
		<p>More than 40 years of specific funding to support homeless, vulnerable and isolated people is about to disappear into area-based grant. Will the money ever be seen again? ask Maurice Condie and Neal Penney
</p>
		<p class="readmore_feature"><a href="../features/now_you_see_it">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/news_from_front_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/news_from_the_front">News from the front</a></h2>
	<p class="feature_date">06 May 2023</p>
	<div class="summary">
		<p>Paul O’Hanlon finds Robert Capa’s war photograhy reflected in hostel life.
</p>
		<p class="readmore_feature"><a href="../features/news_from_the_front">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
<div class="free_label"><p>Free Article</p></div>
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/mutual_respect_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/mutual_respect">Mutual respect</a></h2>
	<p class="feature_date">06 May 2023</p>
	<div class="summary">
		<p>The collapse of the market highlights the need for a fresh approach to housing supply. Adrian Coles and David Rodgers argue that co-operatives and mutual organisations offer a way out of the crisis.
</p>
		<p class="readmore_feature"><a href="../features/mutual_respect">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/yes_we_can_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/yes_we_can">Yes we can</a></h2>
	<p class="feature_date">06 May 2023</p>
	<div class="summary">
		<p>On the eve of his departure from Shelter, chief executive Adam Sampson issues a warning on the prospects for boosting the supply of affordable homes. Tony Marshall reports.
</p>
		<p class="readmore_feature"><a href="../features/yes_we_can">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/battleground_thumb.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/battleground_britain">Battleground Britain</a></h2>
	<p class="feature_date">06 May 2023</p>
	<div class="summary">
		<p>As government unveils its latest counter-terrorism strategy, Simon Ellery reports on how projects around the country are working with young Muslims to turn them away from extremism.
</p>
		<p class="readmore_feature"><a href="../features/battleground_britain">Read more</a></p>
	</div>
</div>	
  					<div class="feature_item clearfix" style="width: 100%;">
<div class="free_label"><p>Free Article</p></div>
	<div class="feature_item_thumb"><p><img src="../images/features/thumbs/war_on_waste_lead.jpg" alt="" width="198" height="135"/>
</p></div>
	<h2><a href="../features/war_on_waste">War on waste</a></h2>
	<p class="feature_date">05 May 2023</p>
	<div class="summary">
		<p>From a rare Victorian concrete house to a 17th-century duke&rsquo;s mansion, Paul Telling catalogues the London homes that have been left to fall into dereliction.
</p>
		<p class="readmore_feature"><a href="../features/war_on_waste">Read more</a></p>
	</div>
</div>	
<div class="paginate">
<p>Page 3 of 24 pages &nbsp;<a href="../features/P15">&lt;</a>&nbsp;&nbsp;<a href="../features/P0">1</a>&nbsp;<a href="../features/P15">2</a>&nbsp;<strong>3</strong>&nbsp;<a href="../features/P45">4</a>&nbsp;<a href="../features/P60">5</a>&nbsp;<a href="../features/P45">&gt;</a>&nbsp;&nbsp;<a href="../features/P345">Last &raquo;</a></p>
</div>
  					</div>
    				    			</div>
     			<div class="item" id="advertising_column">
  				<script type="text/javascript"><!--//<![CDATA[
   var m3_u = (location.protocol=='https:'?'https://roofmagazine.org.uk/openx/www/delivery/ajs.php':'/');
   var m3_r = Math.floor(Math.random()*99999999999);
   if (!document.MAX_used) document.MAX_used = ',';
   document.write ("<scr"+"ipt type='text/javascript' src='"+m3_u);
   document.write ("?zoneid=1");
   document.write ('&amp;cb=' + m3_r);
   if (document.MAX_used != ',') document.write ("&amp;exclude=" + document.MAX_used);
   document.write (document.charset ? '&amp;charset='+document.charset : (document.characterSet ? '&amp;charset='+document.characterSet : ''));
   document.write ("&amp;loc=" + escape(window.location));
   if (document.referrer) document.write ("&amp;referer=" + escape(document.referrer));
   if (document.context) document.write ("&context=" + escape(document.context));
   if (document.mmm_fo) document.write ("&amp;mmm_fo=1");
   document.write ("'><\/scr"+"ipt>");
//]]>--></script><noscript><a href="/" target="_blank"><img src="../openx/www/delivery/avw_php-zoneid-1-cb-INSERT_RANDOM_NUMBER_HERE-n-aa9d368a.jpg" border="0" alt=""/></a></noscript>
  			</div>
    		</div>
			<div class="line">
				<div class="item" id="btt">
					<p><a href="#topofpage">Back to top of page</a></p>
				</div>
			</div>
			<div class="line">
				<div class="item" id="footer">
					<div id="footer_menu">
	<h3><a href="../about">About this site</a></h3>
	<ul>
		<li><a href="http://england.shelter.org.uk/shop/subscriptions/roof_magazine">Subscriptions information</a></li>
		<li><a href="../about/copyright">Disclaimer and copyright</a></li>
		<li><a href="../about/privacy">Privacy policy</a></li>
	</ul>
</div>
<p id="roof_contact">© 2015-2024 ROOF Magazine | ROOF 88 Old Street, London EC1V 9HU</p>
<script type="text/javascript">
try {
} catch(err) {}</script>
				</div>
			</div>
		</div>		
</body>
</html>