CCMA_ACCLM_2018

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MARP Process 1 2 3 4 STAGE 1 STAGE 2 STAGE 3 STAGE 4 Communication Financial Info Assessment Resolution • PEGA creates an “Into arrears reminder • CM raises a GSR to Ops to update MARP flag on PEGA. aggressive or intimidating • Documents received back complete • Review to be completed within 20 • business days of receipt • Implement a TARA if appropriate • Review the documentation returned by borrower and complete assessment of the case • Refer to Credit • Decision to be communicated to borrower • Template Letters are on SharePoint
MARP Process 31 Day arrears letter – If account falls into arrears and SFS and documentation are not returned, the 31 day Arrears letter is issued. CM assess the financial position of the borrower - and determines if we can offer an ARA - Business As Usual - If no arrears on the account and SFS is not returned, account reverts to BAU
Page 1 and 2: CODE OF CONDUCT ON MORTGAGE ARREARS
Page 3 and 4: Introduction
Page 5 and 6: What is CCMA? The Code of Conduct o
Page 7 and 8: CCMA DEFINITIONS
Page 9 and 10: Pre-Arrears & Arrears Pre-Arrears A
Page 11 and 12: ACC & MARP Information • CCMA PR
Page 13: MARP Booklet When to issue the MARP
Page 17 and 18: Arrears Process The Arrears process
Page 19 and 20: Not Co-Operating CCMA PR 28 and PR
Page 21 and 22: Unsustainable Process If an account
Page 23 and 24: Enforcement Entry point into Pre-Li
Page 25: Thank you for coming! Any questions

CCMA_ACCLM_2018

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