The Loss Mitigation Letter From Mortgage Company is a crucial document used when borrowers face financial hardship affecting their ability to maintain mortgage payments. It serves as both a regulatory requirement and a practical tool for preventing foreclosures in England and Wales. The letter must detail specific options available to the borrower, including payment modifications, temporary payment reductions, or refinancing options. It typically follows initial contact about payment difficulties and precedes any enforcement action, forming part of the required steps under the Pre-Action Protocol for Possession Claims.
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1. Customer Information: Account details, property address, loan reference
2. Acknowledgment of Hardship: Reference to customer's reported financial difficulties
3. Current Loan Status: Outstanding balance, payment arrears, current interest rate
4. Available Options: List of loss mitigation options being offered
5. Required Actions: Steps customer needs to take to pursue options
6. Timeframes: Deadlines for response and action
1. Payment History: Recent payment history when relevant to decision
2. Counseling Services: Information about available financial counseling when severe hardship
3. Alternative Contact Methods: When vulnerable customers require specific communication channels
1. Income and Expenditure Form: For customer to detail their financial situation
2. Supporting Documentation Checklist: List of required documents to support hardship claim
3. Terms and Conditions: Specific terms for offered loss mitigation options
4. Information Sheet: FCA-required information about mortgage arrears
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