CCMA_ACCLM_2018
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Not Co-Operating<br />
<strong>CCMA</strong> PR 28 and PR 29 explain the steps to classify a borrower as non-cooperating.<br />
• Prior to classifying a borrower as “not co-operating” the borrower must receive the PR 28 warning<br />
letter. to avoid being classified as a non-cooperating borrower.<br />
• If the borrower does not complete the action(s) specified in the not co-op warning letter ( P28) within<br />
the timeframe outlined in the letter, the PR 29 not co-operating letter can be issued by the CM.<br />
PR 28<br />
• If the borrower responds to the PR 28 letter, the CM progresses the account through the Arrears<br />
Process<br />
• The PR 29 letter explains the next steps that we may take and allows the CM to progress the account<br />
into the pre-litigation process if necessary<br />
PR 29<br />
• Refer to Not Co-Operating Borrower Process in Arrears Management Procedure Guide on<br />
SharePoint.
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