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Business of the House

My hon. Friend is absolutely right: we must make sure that repossession is the last possible outcome when people are having difficulties in paying their mortgage. That is why the Master of the Rolls yesterday approved the Civil Justice Council's new protocol, which will make sure that every other avenue is pursued first. It would be extraordinary if the same were not to apply in Scotland, and I urge the Scottish Executive to ensure that home owners get that protection in Scotland. That is what is already making a difference in Britain, as opposed to the United States of America.